# MIDFIRST BANK
OKLAHOMA CITY, OK · FDIC certificate 4063 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $42.83B | |
| Deposits | $25.33B | |
| Loans and leases | $33.53B | |
| Total equity | $4.19B | |
| Loans / deposits | 131.50% (p98 of band) | 85.78% |
| Liquid assets / assets | 16.25% (p20 of band) | |
| Uninsured deposits / deposits | 24.37% (p23 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 30.47% (p96 of band) | |
| FHLB advances / assets | 30.47% | |
| Tier 1 leverage | 9.01% (p20 of band) | 10.17% |
| Unrealized securities loss / equity | -2.82% (p77 of band) | -7.43% |
| AOCI / equity | 4.43% (p99 of band) | |
| ROA (annualized) | 1.46% (p70 of band) | 1.24% |
| Net interest margin | 3.03% (p25 of band) | 3.57% |
| Efficiency ratio | 52.70% (p45 of band) | |
| Noncurrent loans | 18.31% (p100 of band) | 0.66% |
| Net charge-offs (annualized) | 0.05% (p37 of band) | |
| Reserve coverage of noncurrent | 3.54% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 25.49% (p41 of band) | |
| Auto loans | $39.7M (0.12% of loans; DQ 0.59%, NCO 0.00%) | |
| Loans to nondepository financials | $21.0M (1% of equity) (p23 of band) | |
| Deposits YoY | 2.4% | |
| Employees | 3352 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 6 | liquid assets <10% |  |
| 2012-03 | 6 |  |  |
| 2012-06 | 5 |  | brokered >10% |
| 2012-09 | 6 | deposits shrinking |  |
| 2012-12 | 6 |  |  |
| 2013-03 | 6 |  |  |
| 2013-06 | 6 |  |  |
| 2013-09 | 5 |  | deposits shrinking |
| 2013-12 | 6 | capital falling |  |
| 2014-03 | 6 | assets shrinking | capital falling |
| 2014-06 | 5 |  | assets shrinking |
| 2014-09 | 5 |  |  |
| 2014-12 | 6 | capital falling |  |
| 2015-03 | 6 |  |  |
| 2015-06 | 5 |  | capital falling |
| 2015-09 | 5 |  |  |
| 2015-12 | 6 | capital falling |  |
| 2016-03 | 6 |  |  |
| 2016-06 | 5 |  | capital falling |
| 2016-09 | 4 |  | liquid assets <10% |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 5 | capital falling |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 4 |  | capital falling |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 5 | capital falling |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 5 |  |  |
| 2020-03 | 5 |  |  |
| 2020-06 | 5 |  |  |
| 2020-09 | 6 | brokered >10% |  |
| 2020-12 | 5 |  | brokered >10% |
| 2021-03 | 4 |  | capital falling |
| 2021-06 | 5 | brokered >10% |  |
| 2021-09 | 4 |  | brokered >10% |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 6 | capital falling, uninsured deposits leaving |  |
| 2023-06 | 6 |  |  |
| 2023-09 | 5 |  | capital falling |
| 2023-12 | 5 |  |  |
| 2024-03 | 4 |  | uninsured deposits leaving |
| 2024-06 | 4 |  |  |
| 2024-09 | 5 | capital falling |  |
| 2024-12 | 4 |  | capital falling |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 5 | capital falling |  |
| 2025-12 | 4 |  | capital falling |
| 2026-03 | 4 |  |  |
| 2026-06 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-18 [MidFirst Bank to buy Dallas-based commercial bank - Banking Dive](https://news.google.com/rss/articles/CBMipgFBVV95cUxPMGdwUEJlNVFPay1tLUs5NlM4cUlmUGtSYW8zNDA2aXp0VG1LbGRlRUJETThFcURyb3JJRnZYVmNKbjFzcVVSem1WQjFZU25OOEVOTWdhMnYwRW9FemZmOEhLMXpIZ2NMZXM3S0lXV21xcDZXT3R0MVJjT1A5Umh3dmw0eFJGczkzbVN2OHI3bmQzWUJGYTVlRHp4eTg1aFJUYkJMLUd3?oc=5) · Banking Dive
- 2026-06-17 [Dallas Capital Bank To Be Acquired by Oklahoma City’s MidFirst Bank - Dallas Innovates](https://news.google.com/rss/articles/CBMimwFBVV95cUxOMk1ZcHV5R0xncW5TeXNFLXpxRm1MT1VIM1lMZlV6cW5ubnJsX0R1bURMMTllUmxzNk9peDlabEFiTnZiV3NMTlBKLTRnX2lOMGtieG9LN3VOREk4Q2lrZHBKT1lPVW13UUVMeVpkc0luMEwyMkVGRTFDYy1pMnJNWFM5dGNKSm1nczRJeGRyTm9RZUV6YjYzT0NrRQ?oc=5) · Dallas Innovates
- 2026-06-23 [Oklahoma City-based MidFirst Bank to acquire Dallas Capital Bank - Financial Regulation News -](https://news.google.com/rss/articles/CBMimgFBVV95cUxNdFdQX3lLMWZTNE8xTm1sSUN1MDYzdlJVU3dPS2VFYkNyY2ZpZGt4czh0S1N5WVFEanp0SEdXdVA2SnNzX3pBODRGWWhLa1U3WkItVVNaWWJWQnVOX0xqOGxFN3BDa01BMHdsQjRwU2pxN2NrMHJEcGlrblNVanI2S3BfTUtWX1VGV3BTUDZEZzZpZnFrbUJ4QTh3?oc=5) · Financial Regulation News -
- 2026-06-17 [MidFirst Bank to Acquire Dallas Capital Bank, Accelerating Growth - Business Wire](https://news.google.com/rss/articles/CBMivgFBVV95cUxQNlVxNmc1Z1N2X3B1RFAwSjVySHhyZG5IeWJwQ1haUnBYMkF1SkNWYWI4SGc0Y04xa2U0TEtZRnZiVlRXWm9zNzdPQ2ZiQ29oZlFxVER0MkRYYW1KVXNRODdkd2hqejJ3bXdGOE1waFh3OE5fSDVuT3FRbGx3OERETHJRNVdaM0RDeFNPTnRHRUZRSk00eERsRVFxd3pDS01nWkxSX1lPQnhYTXZlbE1Pbmx0UGdTeU1xRndVMDh3?oc=5) · Business Wire
- 2026-05-18 [Oklahoma bank hires First Republic veterans to launch Bay Area expansion - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxOaEpyUm5KMTdYT1BERmt3MV9XYzBZRWdqSTlxcUxCQjBUSnpabm51UVBfSE8yMU4yZFJaYWdlZlNFM2pKeGRLZjl3S0FWYVFqdXdORVZFUG81R2lWYTJROEFCa0pTMVlVZHBuVWo4aXZRUl9NS3dnYVNtRlZVdzZYcFRjdU14LXZFRlB1aVo0b08yVGNxRDhNSXlNYmJHOU83a0hnbmpXSEVLanM0eldqSC1B?oc=5) · The Business Journals
- 2026-02-11 [MidFirst Bank Expands Oklahoma City Headquarters - Yahoo Finance](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPNFRhdWljMXVmcWZNOWxHaWdZVkNaQkNnbnBadkF0Zm1oUHc0UWVodGpVOWlzSGxsb0xFZ1VvYkxsWnllUExFRW40cllqRmxieGxwX2lCOWs1c012bk1zYXM3UFRjcmQtR1dZOVBDbk1sZFhnbERHaUZDLUU3T0UxSnZnX0czY003?oc=5) · Yahoo Finance
- 2026-07-29 [MidFirst Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE9vTHhJZ190cGZSbXlZT1hyd1AxN1A3VFBhLVZ3ejg2bTNhQ2FHdXhXb3VsTVd1bzBFTGxORVg1U1F6RFREVVNIZHhnUGpFT01Dbng0N05TaTVmZ1NzRnNDZG9sY2EwZVlMX29Bc1VB?oc=5) · reveliolabs.com
- 2026-06-17 [Another Dallas bank to be acquired by out-of-state firm - Dallas News](https://news.google.com/rss/articles/CBMisAFBVV95cUxQQ01TdlhsTV85akYtQklSRnNLeG1qVDdqMkFKblVOczc5MWVZc3gwbjJUUW5hVHI1OUdKeUlocmpmS3Jybk5tUlRuWk9sYm5zUjFDWWxrQ093OXRwUmQtbEFrNk42YXJjVkxOVEpTRlBzSUlqcElLN3NocVVMaTZpbkMwNUlkRndNalpORDhxYjRtbklkQy01TzdueDdQV0J6Y0xkNFBaalBnMXFYTjRQZQ?oc=5) · Dallas News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4063 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/31.json (key "4063", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide