MidFirst Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.75 percentage points lower than in Q1 2026, at 132.36%. MidFirst Bank ranks 77th of 169 Oklahoma banks on return on assets, in the upper half at 1.53% (Q2 2026). MidFirst Bank reported 1.53% on return on assets for Q2 2026, 0.24 points above the 1.29% median for banks in the $10B-100B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.23% |
| Tier 1 risk-based capital ratio | 18.23% |
| Total risk-based capital ratio | 19.48% |
| Tier 1 leverage ratio | 9.01% |
| Equity capital to assets | 9.78% |
| Tangible equity to tangible assets | 9.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 18.31% |
| Non-performing assets ratio | 14.39% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 4.67% |
| Allowance for credit losses to loans | 0.65% |
| Reserve coverage of non-performing loans | 3.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.53% |
| Return on equity | 15.70% |
| Net interest margin | 3.05% |
| Efficiency ratio | 51.63% |
| Yield on earning assets | 5.55% |
| Cost of funds | 2.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 132.36% |
| Core deposits to total deposits | 94.61% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 59.13% |
| Securities to assets | 14.83% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.27% | 17.27% | 18.41% | 8.72% | 1.38% |
| Q4 2023 | 17.75% | 17.75% | 18.90% | 8.93% | 1.19% |
| Q1 2024 | 17.86% | 17.86% | 19.04% | 8.99% | 0.95% |
| Q2 2024 | 17.60% | 17.60% | 18.78% | 8.90% | 0.99% |
| Q3 2024 | 17.79% | 17.79% | 18.97% | 8.77% | 1.07% |
| Q4 2024 | 17.76% | 17.76% | 18.94% | 8.78% | 1.25% |
| Q1 2025 | 17.87% | 17.87% | 19.09% | 8.95% | 1.09% |
| Q2 2025 | 17.74% | 17.74% | 18.96% | 8.86% | 1.26% |
| Q3 2025 | 17.89% | 17.89% | 19.11% | 8.86% | 1.13% |
| Q4 2025 | 18.53% | 18.53% | 19.75% | 9.04% | 1.23% |
| Q1 2026 | 18.43% | 18.43% | 19.68% | 9.10% | 1.37% |
| Q2 2026 | 18.23% | 18.23% | 19.48% | 9.01% | 1.53% |
MidFirst Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock MidFirst Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)