MidFirst Bank
Total assets
$42.83B
▲ +5.9% YoY
Deposits
$25.33B
▲ +2.4% YoY
Loans
$33.31B
▲ +1.7% YoY
Offices
94
G JEFFREY RECORDS JR 2020 FAMILY TR
ROA (annualized)
1.46%
peers 1.23%
ROE (annualized)
15.13%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | MidFirst Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +5.9% | +0.0 pts |
| Deposit growth (YoY) | +2.4% | +5.7% | -3.3 pts |
| Loan growth (YoY) | +1.7% | +6.9% | -5.3 pts |
| ROA | 1.46% | 1.23% | +0.2 pts |
| ROE | 15.1% | 11.2% | +3.9 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
Profile
- Established
- 1911
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- G JEFFREY RECORDS JR 2020 FAMILY TR
- Specialization
- Commercial Lending Specialization
- Address
- 501 Nw Grand Blvd, Oklahoma City, OK, 73118
- County
- Oklahoma
- Metro area
- Oklahoma City, OK
- Offices
- 94
- FDIC cert #
- 4063
- RSSD ID
- 595270
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $42.83B | $25.33B | $33.31B | $4.19B | $307.0M | 1.46% | 3.03% | 14.40% |
| Q1 2026 | $42.11B | $24.69B | $33.38B | $4.08B | $144.6M | 1.39% | 2.95% | 15.55% |
| Q4 2025 | $41.37B | $24.56B | $31.76B | $3.90B | $477.8M | 1.19% | 2.89% | 11.44% |
| Q3 2025 | $41.16B | $25.29B | $32.33B | $3.75B | $350.4M | 1.17% | 2.86% | 8.93% |
| Q2 2025 | $40.44B | $24.74B | $32.76B | $3.71B | $235.0M | 1.18% | 2.83% | 10.64% |
| Q1 2025 | $39.52B | $24.33B | $32.36B | $3.79B | $107.7M | 1.10% | 2.80% | 12.01% |
| Q4 2024 | $39.09B | $24.81B | $31.95B | $3.85B | $408.0M | 1.08% | 2.68% | 10.03% |
| Q3 2024 | $39.03B | $24.22B | $31.54B | $3.53B | $284.5M | 1.01% | 2.65% | 8.17% |
Loan mix (Q2 2026): real estate $30.76B · commercial $2.57B · consumer $170.8M · securities $6.35B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | MidFirst Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.23% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 11.3% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.55% | 26th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.7% | 54.9% | 42th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | MidFirst Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | MidFirst Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | MidFirst Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | MidFirst Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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