BlastPoint's Banking Scorecard
MidFirst Bank
Large
Specialty: Commercial
OK
FDIC cert 4063
Oklahoma City, OK
69
banks in Large tier nationally
2 in OK
View Large leaderboard (OK) →
MidFirst Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 5.20% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 8% in Large
- - Delinquency Rate 13.97% above tier
- - Nonperforming Asset Ratio 10.88% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$41.4B
+5.8% YoY
+0.5% QoQ
|
-$33.5B |
$74.9B
-4.4% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$31.8B
-0.6% YoY
-1.8% QoQ
|
-$14.7B |
$46.4B
-2.1% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$24.6B
-1.0% YoY
-2.9% QoQ
|
-$35.9B |
$60.5B
-4.5% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
1.19%
+10.2% YoY
+1.6% QoQ
|
-0.01% |
1.19%
+17.8% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
2.89%
+7.9% YoY
+1.2% QoQ
|
-0.57% |
3.46%
+13.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
57.08%
-2.9% YoY
-0.2% QoQ
|
+2.06% |
55.03%
-2.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
14.85%
+21.3% YoY
+31.1% QoQ
|
+13.97% |
0.88%
-0.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
129.31%
+0.4% YoY
+1.1% QoQ
|
+47.59% |
81.72%
+3.9% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.20%
+10.5% YoY
-0.3% QoQ
|
-1.77% |
19.97%
+0.5% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
11.44%
+14.0% YoY
+28.1% QoQ
|
+10.88% |
0.55%
+9.0% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
18.53%
+4.3% YoY
+3.6% QoQ
|
+5.20% |
13.33%
-0.7% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.33%
-4.7% YoY
+20.7% QoQ
|
-0.76% |
1.09%
+2.4% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 7%
in Large
Why this stands out
Current:
18.53%
(Tier avg: 13.33%, National avg: 9.75%)
Concerns (3)
Liquidity Overhang
risk
#2 of 14 · Bottom 8% in Large
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
18.53%
(Tier: 13.33%, National: 9.75%)
Loan-to-Deposit Ratio:
129.31%
(Tier: 81.72%, National: 78.04%)
14 of 14 Large banks match
·
314 nationally
→ Stable
+6 banks QoQ
Delinquency Rate
metric
Bottom 1%
in Large
Why this stands out
Current:
14.85%
(Tier avg: 0.88%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Large
Why this stands out
Current:
11.44%
(Tier avg: 0.55%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Tier 1 Capital Ratio
Current: 18.53% · Tier avg: 13.33%
52
52th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.19%
49
49th pctile
Total Loans
Current: $31.8B · Tier avg: $46.4B
42
42th pctile
Total Assets
Current: $41.4B · Tier avg: $74.9B
37
37th pctile
Efficiency Ratio
Current: 57.08% · Tier avg: 55.03%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 18.20% · Tier avg: 19.97%
20
20th pctile
Total Deposits
Current: $24.6B · Tier avg: $60.5B
19
19th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.46%
12
12th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 1.09%
1
1th pctile
Loan-to-Deposit Ratio
Current: 129.31% · Tier avg: 81.72%
0
0th pctile
Delinquency Rate
Current: 14.85% · Tier avg: 0.88%
0
0th pctile
Nonperforming Asset Ratio
Current: 11.44% · Tier avg: 0.55%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 11.44% · Tier avg: 0.55%
0
0th pctile
Delinquency Rate
Current: 14.85% · Tier avg: 0.88%
1
1th pctile
Loan-to-Deposit Ratio
Current: 129.31% · Tier avg: 81.72%
12
12th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 1.09%
19
19th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.46%
20
20th pctile
Total Deposits
Current: $24.6B · Tier avg: $60.5B
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 18.20% · Tier avg: 19.97%
37
37th pctile
Efficiency Ratio
Current: 57.08% · Tier avg: 55.03%
42
42th pctile
Total Assets
Current: $41.4B · Tier avg: $74.9B
49
49th pctile
Total Loans
Current: $31.8B · Tier avg: $46.4B
52
52th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.19%
93
93th pctile
Tier 1 Capital Ratio
Current: 18.53% · Tier avg: 13.33%