MidFirst Bank
MidFirst Bank reported total assets of $42.8 bn at Q2 2026, up 5.9% on a year earlier, the 56th largest of 497 banks in our US coverage. The CET1 capital ratio at MidFirst Bank was 18.23%, and the uninsured share of MidFirst Bank was 24.37%. Source: FDIC Call Reports.
Key takeaways
- MidFirst Bank has one of the highest noncurrent loans to total loans readings among banks of $10 bn to $100 bn: 18.31% at , against a median of 0.66% across 126 banks (FDIC Call Reports).
- At 131.50%, the loan-to-deposit ratio of MidFirst Bank sits in the top tenth of its size group ($10 bn to $100 bn, 126 banks), where the median is 85.69% (FDIC Call Reports).
- On return on equity (ROE), MidFirst Bank climbed from 188th to 122nd among 500 US banks between and (1 = highest; FDIC Call Reports).
What sets MidFirst Bank apart
- Few banks of $10 bn to $100 bn report a higher common equity tier 1 (CET1) ratio than MidFirst Bank, at 18.23% in against a group median of 12.97%.
- Since , MidFirst Bank has taken over one institution; the latest was 1st Century Bank, National Association on .
How large is MidFirst Bank?
The balance sheet of MidFirst Bank at : assets $42.8 bn, deposits $25.3 bn, net loans $33.3 bn (loans equal to 131.50% of deposits). Securities make up 14.8% of total assets at MidFirst Bank. Since , when MidFirst Bank held $12.0 bn, its assets grew 258.4%. In the year to , deposits at MidFirst Bank rose 2.4% while its total assets rose 5.9%. At , MidFirst Bank employed 3,352 full-time equivalent staff across 93 offices, about $12.8 mn of assets per employee and $272.4 mn of deposits per office.
How much funding at MidFirst Bank is uninsured?
At MidFirst Bank, uninsured deposits (above the FDIC limit) made up 24.37% of domestic deposits at (+3.20 pp on a year earlier); MidFirst Bank ranks 380th of 500 on this measure. In dollars, MidFirst Bank estimated $6.2 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $25.3 bn | +2.4% | 70th of 499 |
| Net loans and leases | $33.3 bn | +1.7% | 51st of 500 |
| Loan-to-deposit ratio | 131.50% | -0.91 pp | 7th of 500 |
| Tier 1 leverage ratio | 9.01% | +0.16 pp | 430th of 500 |
| Total risk-based capital ratio | 19.48% | +0.52 pp | 43rd of 448 |
| Net interest margin | 3.03% | +0.20 pp | 399th of 500 |
| Return on assets (ROA) | 1.46% | +0.27 pp | 169th of 500 |
| Efficiency ratio | 52.70% | -4.20 pp | 186th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $9.0 mn | Narrowed by $3.7 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $109.3 mn | Narrowed by $78.0 mn | |
| Noncurrent loans to total loans | 18.31% | +5.30 pp | 499th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.06% | +0.06 pp | 220th of 500 (1 = lowest) |
US rank of MidFirst Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
MidFirst Bank: assets, deposits and loans
- Total assets $42.8bn
- Deposits $25.3bn
- Net loans $33.3bn
Capital and securities
The CET1 ratio of MidFirst Bank stood at 18.23% in , +0.49 pp year on year. Low and high at MidFirst Bank since : 13.18% () to 18.53% (). Equity capital of MidFirst Bank at : $4.2 bn, or 9.8% of total assets. MidFirst Bank also reported a total capital ratio of 19.48% for , and a tier 1 leverage ratio of 9.01%.
On held-to-maturity securities, MidFirst Bank carried an unrealized loss of $9.0 mn at , equal to 0.2% of equity capital. The loss narrowed by $3.7 mn over the year. Its deepest point: $37.7 mn in . The available-for-sale portfolio of MidFirst Bank showed an unrealized loss of $109.3 mn at ; the loss narrowed by $78.0 mn over the year.
MidFirst Bank: capital ratios
- Total capital 19%
- CET1 18%
- Tier 1 leverage 9.0%
MidFirst Bank: unrealized securities gains and losses
- Available for sale -$109mn
- Held to maturity -$9mn
Profitability and loan quality
For the year to , MidFirst Bank earned a return on equity of 15.13%; return on assets: 1.46%. Net interest margin at MidFirst Bank: 3.03%, +0.20 pp in a year. MidFirst Bank net income: $307.0 mn, up 30.7% year on year. The efficiency ratio of MidFirst Bank was 52.70%: about 53 cents cost per revenue dollar, against 48 cents at the median peer.
At , noncurrent loans were 18.31% of total loans at MidFirst Bank; net charge-offs: 0.06% of average loans. Gross loans and leases at MidFirst Bank: $33.5 bn, up 1.7% in a year.
MidFirst Bank: profitability
- Return on equity 15%
- Net interest margin 3.0%
- Return on assets 1.5%
Peer group of MidFirst Bank
The peer group of MidFirst Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of MidFirst Bank (federal savings bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Oklahoma. Against them, MidFirst Bank shows CET1 ratio 18.23% against a peer median of 14.41%, return on equity 15.13% against a peer median of 10.63% and uninsured deposit share 24.37% against a peer median of 34.41%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Raymond James Bank | State member bank | FL | $45.6 bn | 15.13% | 22.98% | 8.81% | |
| Prosperity Bank | State nonmember bank | TX | $43.9 bn | 15.24% | 7.42% | 42.73% | |
| Barclays Bank Delaware | State nonmember bank | DE | $43.5 bn | 13.69% | 17.40% | 7.18% | |
| MidFirst Bank | Federal savings bank | OK | $42.8 bn | 18.23% | 15.13% | 24.37% | |
| Bank OZK | State nonmember bank | AR | $41.7 bn | 11.80% | 10.69% | 32.47% | |
| Deutsche Bank Trust Company Americas | State member bank | NY | $40.5 bn | 57.52% | 3.81% | 91.30% | |
| Atlantic Union Bank | State member bank | VA | $38.0 bn | 13.02% | 10.57% | 36.36% | |
. FDIC Call Reports.
Last eight quarters
Two years at MidFirst Bank, to : assets +9.7%, deposits +4.6%, equity +18.8%. Staff 3,110 to 3,352; offices 84 to 93.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $39.0 bn | $39.1 bn | $39.5 bn | $40.4 bn | $41.2 bn | $41.4 bn | $42.1 bn | $42.8 bn |
| Total deposits | $24.2 bn | $24.8 bn | $24.3 bn | $24.7 bn | $25.3 bn | $24.6 bn | $24.7 bn | $25.3 bn |
| Bank equity capital | $3.5 bn | $3.8 bn | $3.8 bn | $3.7 bn | $3.8 bn | $3.9 bn | $4.1 bn | $4.2 bn |
| CET1 ratio | 17.79% | 17.76% | 17.87% | 17.74% | 17.89% | 18.53% | 18.43% | 18.23% |
| Return on equity (ROE) | 10.23% | 10.92% | 11.28% | 12.42% | 12.38% | 12.57% | 14.48% | 15.13% |
| Uninsured share of domestic deposits | 19.73% | 20.62% | 21.66% | 21.17% | 22.86% | 22.51% | 23.17% | 24.37% |
| Full-time equivalent employees | 3,110 | 3,167 | 3,235 | 3,318 | 3,294 | 3,303 | 3,324 | 3,352 |
| Number of offices | 84 | 90 | 91 | 93 | 94 | 93 | 93 | 93 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of MidFirst Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed 1st Century Bank, National Association (FDIC certificate 57657).
Questions and identifiers
What were the total assets of MidFirst Bank?
MidFirst Bank reported $42.8 bn at in its Call Report. That makes MidFirst Bank the 56th largest of 497 banks in our US coverage.
Is MidFirst Bank the same as its holding company?
No. This page covers MidFirst Bank, FDIC certificate 4063; G JEFFREY RECORDS JR 2020 FAMILY TR (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is MidFirst Bank profitable?
MidFirst Bank reported net income of $307.0 mn for the year to ; annualized return on equity: 15.13%. So yes: MidFirst Bank made a profit over these months.
When is data for MidFirst Bank next updated?
Figures from MidFirst Bank for are due after .
Where can I check the figures for MidFirst Bank?
In the FDIC BankFind Suite record for certificate 4063, and in the Call Reports of MidFirst Bank (RSSD ID 595270) at the FFIEC Central Data Repository.