MidFirst Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 3.96 percentage points lower than in Q1 2026, at 139.90%. As of Q2 2026, MidFirst Bank ranks first in Oklahoma on loan-to-deposit ratio among 169 banks, at 132.36%. Against a median of 86.87% for banks in the $10B-100B asset tier, MidFirst Bank reported 132.36% on loan-to-deposit ratio in Q2 2026, 45.49 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $606.2M |
| Cash and noninterest-bearing balances to assets | 1.42% |
| Cash and securities | $6.96B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $13.05B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 30.47% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 132.36% |
| Net loans and leases to deposits | 131.50% |
| Loans and leases to core deposits | 139.90% |
| Core deposits to total deposits | 94.61% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 137.60% | 88.39% | $0 | $10.53B |
| Q4 2023 | 130.53% | 86.48% | $0 | $9.59B |
| Q1 2024 | 125.21% | 85.97% | $0 | $8.45B |
| Q2 2024 | 134.62% | 84.84% | $0 | $10.84B |
| Q3 2024 | 131.14% | 83.97% | $0 | $11.00B |
| Q4 2024 | 129.64% | 84.86% | $0 | $10.13B |
| Q1 2025 | 133.93% | 89.47% | $0 | $11.13B |
| Q2 2025 | 133.32% | 88.00% | $0 | $11.70B |
| Q3 2025 | 128.75% | 88.87% | $0 | $11.83B |
| Q4 2025 | 130.21% | 90.67% | $0 | $12.62B |
| Q1 2026 | 136.11% | 92.89% | $0 | $13.09B |
| Q2 2026 | 132.36% | 94.61% | $0 | $13.05B |
MidFirst Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock MidFirst Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full MidFirst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4063) · FFIEC NIC profile (RSSD 595270)