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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Oklahoma, the state note

MidFirst Bank

Oklahoma City, Oklahoma · $42.83B in assets · beside the 11 other the Southwest banks over $10B (the state alone holds too few in the band to rank)

The filing

132.4%
Loans / deposits
12th of 12
18.31%
NPA / loans
12th of 12
0.0x
Coverage of noncurrent
11th of 11

MidFirst Bank is the fourth largest of the 12 the Southwest banks nearest its size over $10B, with $42.83B in assets at 30 June 2026. Loans are 132.4% of deposits, the highest in the cohort against a median of 80.3%, and equity is 9.8% of assets, 8th of 12. Loans grew +1.7% in the year, 9th of 12, and deposits grew 2.4%; the cohort's median loan growth is +5.6%.

Noncurrent loans are 18.31% of the book, the highest in the cohort against a median of 0.90%; 5.08% is 30 to 89 days past due, and the allowance covers them 0.0 times. Commercial real estate is 19.6% of loans, 4th of 12 against a median of 27.7%, and 161% of capital, below the 300% screen, with construction at 26% against the 100% screen.

Return on assets is 1.44%, 4th of 12 against a median of 1.25%, on an efficiency ratio of 52.9%, 6th of 12. Five years ago it was 2.80%. The question is where the nonperforming loans sit by category, and whether the allowance and the capital behind them hold under a loss path.

Loans as a share of depositsSouthwest banks over $10B · 30 June 2026 · lower is stronger, listed first
median 80.3% CS Charles Schwab Premier Bank SS 0.0% FB Frost Bank 52.6% FF First Financial Bank 62.9% B Bancfirst 64.7% BN BOKF National Association 67.8% PB Prosperity Bank 76.0% N Nexbank 84.5% TC Texas Capital Bank 84.9% SB Sunflower Bank National Association 86.9% PB Plainscapital Bank 87.0% FU First United Bank & Trust Co. 96.0% MB MidFirst Bank 132.4%
Loans, year over yearSouthwest banks over $10B · 30 June 2026 · no better direction, largest first
median +5.6% SB Sunflower Bank National Association +77.5% PB Prosperity Bank +12.8% BN BOKF National Association +11.5% FB Frost Bank +8.1% B Bancfirst +7.1% PB Plainscapital Bank +6.9% TC Texas Capital Bank +4.3% FF First Financial Bank +3.2% MB MidFirst Bank +1.7% FU First United Bank & Trust Co. +0.1% N Nexbank -2.2% CS Charles Schwab Premier Bank SS -100.0%

SBA 7(a), FY2008 to FY2026

MidFirst Bank is the 9th largest 7(a) lender into Arizona of 337, with $314M across 365 loans, 3.0% of everything approved in the state (Wells Fargo Bank National Association leads with $1.09B). 39 of its 76 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Arizona, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Maricopa, AZ$308M4th of 3034.1%-1.9 pts
Dallas, TX$37M38th of 3140.7%+0.0 pts
Los Angeles, CA$23M92nd of 3080.1%-0.1 pts
Harris, TX$21M70th of 3140.3%-0.1 pts
Oklahoma, OK$17M11th of 1721.7%-0.8 pts
Tulsa, OK$17M15th of 1591.5%+2.2 pts
Denver, CO$16M28th of 1930.8%-1.1 pts
Arapahoe, CO$14M28th of 1660.8%+0.9 pts
Denton, TX$12M44th of 2240.6%+1.4 pts
Salt Lake, UT$10M40th of 1640.3%-0.5 pts
Fort Bend, TX$8M51st of 1800.5%-1.1 pts
Collin, TX$6M85th of 2610.2%-0.8 pts
Bexar, TX$6M74th of 2370.3%thin
63 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance123$96M16.6%0.20%75th of 2,172
Professional & technical services107$79M13.6%0.24%56th of 1,955
Retail trade79$67M11.6%0.11%146th of 2,589
Construction107$55M9.4%0.17%95th of 2,063
Other services61$50M8.6%0.14%119th of 2,248
7(a) lenders into Arizona, share of approvals since FY2008337 lenders on record; the ten largest and MidFirst Bank
WF Wells Fargo Bank National Associa… 10.4% $1.09B · 2,910 loans LO Live Oak Banking Company 5.9% $619M · 476 loans JC JPMorgan Chase Bank, National Ass… 5.5% $581M · 2,830 loans AF Arizona Financial Credit Union 4.0% $419M · 564 loans UB U.S. Bank, National Association 3.3% $351M · 1,216 loans CB Celtic Bank Corporation 3.2% $336M · 494 loans PB PNC Bank, National Association 3.1% $323M · 1,375 loans EB Enterprise Bank & Trust 3.0% $315M · 391 loans MB MidFirst Bank 3.0% $314M · 365 loans AF America First Federal Credit Union 2.6% $275M · 255 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
MidFirst BankRankCohort median
Total CRE against capital, the 300% screen161%8th of 12146%
Construction against capital, the 100% screen26%6th of 1237%
Construction and land development, share of loans3.2%4th of 127.5%
Non-owner-occupied nonfarm nonresidential, share of loans13.4%6th of 1214.1%
Total CRE, the guidance definition, share of loans19.6%4th of 1227.7%
CRE growth over 36 months, the third prong+10.4%7th of 11+8.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Frost Bank$53.95B1.3%62.5%0.55%0.13%1.2%52.6%8.6%
BOKF National Association$52.98B1.2%62.4%0.54%0.02%1.0%67.8%10.8%
Prosperity Bank$43.88B1.4%51.1%0.48%0.35%1.5%76.0%18.5%
MidFirst Bank$42.83B1.4%52.9%18.31%0.06%0.6%132.4%9.8%
Texas Capital Bank$33.62B1.0%59.3%0.50%0.27%1.1%84.9%10.1%
Charles Schwab Premier Bank SS$26.58B1.5%14.9%0.00%0.00%0.0%0.0%7.9%
First United Bank & Trust Co.$16.59B0.9%71.5%1.69%0.06%1.0%96.0%9.7%
Sunflower Bank National Association$15.65B0.2%75.2%1.63%0.90%1.5%86.9%12.3%
First Financial Bank$15.23B1.7%44.9%0.77%-0.01%1.3%62.9%11.8%
Nexbank$14.16B1.1%50.8%1.47%0.06%0.4%84.5%8.4%
Bancfirst$12.80B1.7%50.6%1.19%0.11%1.3%64.7%11.2%
Plainscapital Bank$12.68B1.1%75.1%1.03%0.16%0.9%87.0%10.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
MidFirst BankCohort median
20212026Change20212026Change
Loans$25.42B$33.53B+32%$9.57B$12.25B+28%
Deposits$20.57B$25.33B+23%$16.20B$18.97B+17%
NPA / loans31.97%18.31%-13.67 pts0.61%0.90%+0.29 pts
Efficiency36.1%52.9%+16.8 pts57.6%56.1%-1.5 pts
ROA2.80%1.44%-1.36 pts1.32%1.25%-0.07 pts

This read was prepared for MidFirst Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on MidFirst Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Southwest banks over $10B
Institution www.midfirst.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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