MidFirst Bank: how it compares with its peers
Against 64 U.S. banks with half to twice its assets, MidFirst Bank's strongest measure in Q2 2026 is return on assets (1.46% vs. a 1.28% peer median). Its weakest relative measure is net interest margin (3.03% vs. 3.60%).
| Measure | MidFirst Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.46% | 1.28% | Top third Ahead of 70% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.03% | 3.60% | Bottom third Ahead of 22% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.70% | 52.64% | Middle third Ahead of 48% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.8M | $12.4M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 131.50% | 85.88% | Context |
What it means for lending operations
Its efficiency ratio of 52.70% is above the 52.64% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Barclays Bank Delaware Wilmington, DE · $43.45B
- Prosperity Bank El Campo, TX · $43.88B
- Bank OZK Little Rock, AR · $41.70B
- Deutsche Bank Trust Company Americas New York, NY · $40.53B
- Raymond James Bank Saint Petersburg, FL · $45.60B
- EverBank, National Association Jacksonville, FL · $46.69B
Questions about MidFirst Bank
How big is MidFirst Bank?
MidFirst Bank, established in 1911, is headquartered in Oklahoma City, OK. It reported $42.83B in total assets in its Q2 2026 FDIC call report and operates 95 offices.
What is MidFirst Bank's return on assets?
1.46% annualized in Q2 2026, against a 1.28% median for 64 U.S. banks with half to twice its assets, ahead of 70% of them.
What is MidFirst Bank's efficiency ratio?
52.70% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 52.64%, and lower is better.
Is MidFirst Bank growing its loans?
Net loans grew 1.7% over the year to Q2 2026, while deposits grew 2.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.