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MidFirst Bank
Oklahoma City, OK·FDIC Cert #4063·Charter: OCC·Est. 19110228.0·HC: G JEFFREY RECORDS JR 2003 FAMILY TR
Total Assets
$41.4B
Q4 2025
Return on Assets
1.19%
+0.02%Peer avg: 1.13%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.08%
Peer avg: 52.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
45
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.19%+0.02
ROE
12.57%+0.19
Efficiency
57.08%-0.14
Equity/Assets
0.00%+0.00
NPL Ratio
14.85%+3.52
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
129.31%+1.46
Charge-offs
0.01%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.0 | 1.0 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 |
| ROE | 9.4 | 9.6 | 10.2 | 10.9 | 11.3 | 12.4 | 12.4 | 12.6 |
| Efficiency | 64.6 | 61.7 | 60.7 | 58.8 | 57.8 | 56.9 | 57.2 | 57.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 10.2 | 9.2 | 10.1 | 12.2 | 14.6 | 13.1 | 11.3 | 14.8 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 124.4 | 133.7 | 130.3 | 128.8 | 133.0 | 132.4 | 127.9 | 129.3 |
Balance Sheet
Total Assets$41.4B
Total Deposits$24.6B
Total Loans$31.8B
Total Equity$3.9B
Profitability
ROA1.19%
ROE12.57%
Efficiency Ratio57.08%
Net Income$477.8M
Risk & Asset Quality
NPL Ratio14.85%
Charge-off Rate0.01%
Loan/Deposit129.31%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans