Midfirst Bank
Oklahoma City, OK · Cert 4063 · Peer group: banks over $10B in assets (n=142-144) · G Jeffrey Records Jr 2020 Family Tr
State savings bank · OCC · 94 branches
Q2 2026
$42.8BAssets
$33.5BLoans
$25.3BDeposits
$4.2BEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 90% of banks over $10B in assets (rank 14 of 144).
- Widest gap: nonperforming loans / loans trails 99% of banks over $10B in assets (rank 142 of 142).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.16%
Rank 89 of 144
Net Interest Margin
2.82%
Rank 107 of 144
Efficiency Ratio
52.92%
Rank 52 of 144
Equity / Assets
9.78%
Rank 102 of 144
Non-interest income vs. expense
Unfavorable gap of $539.2M · efficiency ratio beats 65% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 1.00% | 1.26% | 1.54% | Beats 38% | 89 / 144 | | |
| Return on Equity | 11.83% | 8.98% | 11.34% | 14.40% | Beats 55% | 65 / 144 | | |
| Net Interest Margin | 2.82% | 2.82% | 3.31% | 3.68% | Beats 26% | 107 / 144 | | |
| Efficiency Ratio | 52.92% | 49.42% | 56.02% | 62.41% | Beats 65% | 52 / 144 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 18.31% | 0.48% | 0.73% | 1.07% | Beats 1% | 142 / 142 | | |
| Net Charge-Offs / Loans | 0.03% | 0.05% | 0.11% | 0.22% | Beats 82% | 26 / 142 | | |
| Capital |
| Tier 1 Capital Ratio | 18.23% | 12.07% | 12.98% | 14.92% | Beats 89% | 16 / 144 | | |
| Total Risk-Based Capital Ratio | 19.48% | 13.39% | 14.14% | 16.25% | Beats 90% | 14 / 144 | | |
| Equity / Assets | 9.78% | 9.69% | 11.39% | 12.96% | Beats 29% | 102 / 144 | | |
| Liquidity & Funding |
| Loans / Deposits | 132.36% | 75.72% | 84.92% | 91.56% | 98th pctl | 3 / 143 | | |
| Loans / Assets | 78.27% | 59.83% | 69.07% | 74.80% | 86th pctl | 20 / 144 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |