MidFirst Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks MidFirst Bank of Oklahoma City, OK against its peer group of 136 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.53% | 1.34% | +0.19% | 67th above |
| ROAE | 15.70% | 12.25% | +3.45% | 80th top |
| Net Interest Margin | 3.05% | 3.68% | -0.63% | 20th bottom |
| Efficiency Ratio | 51.63% | 53.86% | -2.23% | 59th above |
| PPNR / Avg Assets | 1.64% | — | — | 36th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.55% | 5.58% | -0.03% | 63rd above |
| Cost of Funds | 2.49% | 1.99% | +0.50% | 21st bottom |
| Net Interest Spread | 2.49% | — | — | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 18.31% | 1.09% | +17.22% | 0th bottom |
| NPA / Total Assets | 14.39% | — | — | 0th bottom |
| NCO / Avg Loans | 0.10% | 0.36% | -0.26% | 59th above |
| ACL / Total Loans | 0.65% | — | — | 11th bottom |
| ACL / NPLs (Coverage) | 3.54% | — | — | 0th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.67% | 5.43% | -0.76% | 44th below |
| Provision / NCO | 114.52% | — | — | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.23% | 14.50% | +3.73% | 90th top |
| Tier 1 Ratio | 18.23% | 14.60% | +3.63% | 90th top |
| Total Capital Ratio | 19.48% | — | — | 90th top |
| Leverage Ratio | 9.01% | 10.26% | -1.25% | 15th bottom |
| Equity / Assets | 9.78% | 11.55% | -1.77% | 25th below |
| TCE / Tangible Assets | 9.61% | — | — | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 132.36% | 83.97% | +48.39% | 2nd bottom |
| Core Deposit Ratio | 94.61% | 86.78% | +7.83% | 77th top |
| Uninsured Deposit Ratio | 24.37% | 38.93% | -14.56% | 81st top |
| Wholesale Funding Ratio | 30.47% | — | — | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.91% | — | — | 51st above |
| Loan Growth (Y/Y) | 1.65% | — | — | 17th bottom |
| Deposit Growth (Y/Y) | 2.39% | — | — | 32nd below |
See MidFirst Bank's peers by name
The 136 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock MidFirst Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full MidFirst Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the MidFirst Bank peer analysis.