Midwest City, OK · Cert 16127 · First Midwest Acquisition Corp.
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.7% share · #25 of 71 inst. · $0.4B of $60.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.55% | 0.54% | 0.60% | 0.59% | 0.58% | 0.79% | 0.89% | +29 bps | |
| Return on Equity | 6.54% | 7.25% | 6.19% | 6.79% | 6.60% | 6.39% | 8.31% | 9.37% | +257 bps | |
| Net Interest Margin | 3.14% | 3.38% | 3.22% | 3.28% | 3.33% | 3.36% | 3.45% | 3.61% | +33 bps | |
| Efficiency Ratio | 80.09% | 79.36% | 81.63% | 79.52% | 77.85% | 77.77% | 76.61% | 75.39% | -413 bps | |
| Non-Interest Burden | 2.38% | 2.54% | 2.55% | 2.52% | 2.47% | 2.49% | 2.52% | 2.58% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.24% | -11.95% | -6.34% | -6.84% | 1.68% | 6.27% | 2.89% | 1.28% | +811 bps | |
| Loan Growth (YoY) | 2.92% | 2.01% | -0.32% | -3.63% | -4.26% | 1.25% | 5.90% | 14.00% | +1,763 bps | |
| Deposit Growth (YoY) | -3.60% | -5.36% | 1.59% | 2.42% | 5.80% | 5.70% | 2.04% | 0.44% | -198 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.67% | 3.01% | 2.75% | 3.04% | 3.32% | 3.38% | 2.67% | 2.35% | -69 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 1.48% | 0.75% | 0.50% | 0.36% | 0.00% | 0.34% | -41 bps | |
| Allowance / Loans | 2.33% | 2.40% | 2.13% | 2.18% | 2.16% | 2.12% | 2.11% | 1.84% | -34 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.8x | 0.8x | 0.7x | 0.7x | 0.6x | 0.8x | 0.8x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.93% | 10.89% | 10.62% | 10.54% | 10.64% | 10.72% | 10.48% | 10.54% | 0 bps | |
| Total Risk-Based Capital | 18.21% | 18.73% | 20.01% | 19.33% | 19.10% | 18.43% | 18.61% | 17.35% | -198 bps | |
| Equity / Assets | 8.89% | 8.78% | 8.72% | 8.98% | 9.47% | 9.54% | 9.39% | 9.67% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.87% | 68.93% | 61.80% | 62.30% | 64.13% | 66.03% | 64.13% | 70.71% | +841 bps | |
| Liquid Assets / Assets | 0.53% | 0.80% | 4.60% | 7.10% | 6.44% | 5.47% | 7.87% | 1.56% | -554 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 292% | 315% | 313% | n/a | n/a | |