MidFirst Bank
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Data as of · sourced from FFIEC call reports. How we update
MidFirst Bank is an FDIC-insured savings institution headquartered in Oklahoma City, OK, established in 1911 (FDIC certificate 4063), and it is supervised by the OCC. At Q2 2026 it reported total assets of $42.83B, up 5.9% from Q2 2025, the 2nd largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 18.23% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4063
- Headquarters
- Oklahoma City, OK
- Established
- 1911
- Total assets, Q2 2026
- $42.83B
- Assets vs Q2 2025
- +5.9%
- CET1 ratio, Q2 2026
- 18.23%
- Domestic offices
- 93 FDIC institution directory, current count
- Routing number
- 303087995
- Holding company
- MIDLAND FINANCIAL CO.
- Asset rank in state
- 2nd of 169 in Oklahoma
MidFirst Bank carries far more capital than most banks of its size. Based in Oklahoma City, Oklahoma, it had $42.8 billion in assets at June 30, 2026, up 5.9% from a year earlier. It holds common equity equal to 18.23% of its risk-weighted assets, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 12.98%). It also grew its loan book 1.7% over the year, a small fraction of the median of 6.3% for banks its size.
Net income for the quarter rose 28% from a year earlier, to $162 million. The non-owner-occupied commercial real estate book ($4.5 billion) is worsening: 2.13% of it is past due or on nonaccrual, up from 0.89% a year earlier. Its margin is thin by comparison: it keeps 3.05 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.63 cents).
As of June 30, 2026, MidFirst Bank reported a CET1 capital ratio of 18.23%, a return on assets of 1.53%, a nonperforming-loan ratio of 18.31% and a Texas ratio of 4.67%. The figures come from its call report filed with the FFIEC.
MidFirst Bank ranks as the 2nd largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.7% to $42.83B, loans fell 0.2% and deposits rose 2.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 64.1% of total loans, ahead of non-owner-occupied commercial real estate loans at 13.4%. The FDIC Summary of Deposits lists 94 offices for it, in 46 cities across 7 states; its Oklahoma City 13 offices book 47% of its branch deposits. On its Q2 2026 call report, MidFirst Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 501 Nw Grand Blvd, Oklahoma City, OK 73118
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 28, 1911
- Former names
- Oklahoma Bank and Trust Company (1997); Oklahoma National Bank & Trust Company of Chickasha (1962-1997)
- Domestic offices
- 93 FDIC institution directory, current count
- Employees (FTE)
- 3,352
- Domestic deposits
- $25.33B
- Allowance for credit losses
- $217.4M
- Net charge-offs (YTD)
- $10.7M
- Average total assets
- $42.57B
- Average total loans
- $33.63B
- Average interest-bearing deposits
- $22.76B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 4063
- Fed RSSD
- 595270
- Website
- www.midfirst.com →
- Parent Holding Company
- MIDLAND FINANCIAL CO. (RSSD 2568278)
- Ultimate Parent
- G. JEFFREY RECORDS, JR. 2020 FAMILY TRUST (RSSD 5555701)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, MidFirst Bank's total assets ranged from $36.63B (Q3 2023) to $42.83B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$42.83B total assets against $40.44B; $38.64B total liabilities against $36.74B.
$33.31B net loans and leases against $32.76B; $25.33B total deposits against $24.74B.
$6.35B securities against $4.84B; $606.2M cash and balances due against $597.9M.
$564.5M total interest income against $524.5M; $254.5M total interest expense against $254.1M.
$310.0M net interest income against $270.5M.
$53.3M total noninterest income against $40.7M; $188.3M total noninterest expense against $175.2M.
$9.7M provision for credit losses against $6.3M.
$162.4M net income against $127.2M.
1.53% return on assets against 1.26%; 3.05% net interest margin against 2.80%.
18.23% CET1 capital ratio against 17.74%; 9.01% tier 1 leverage ratio against 8.86%.
Inside the full MidFirst Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
MidFirst Bank rankings
Its closest position to the top of a national ranking is 55 of 4,196, for total assets; its furthest is 721 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.07% (Q3 2024) to 1.53% (Q2 2026) and its net interest margin ran from 2.56% (Q3 2024) to 3.05% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.23% | 1.53% | 18.31% | 4.67% | 3.05% |
| Q1 2026 | 18.43% | 1.37% | 19.44% | 6.60% | 2.87% |
| Q4 2025 | 18.53% | 1.23% | 14.74% | 4.04% | 2.91% |
| Q3 2025 | 17.89% | 1.13% | 11.25% | 4.89% | 2.84% |
| Q2 2025 | 17.74% | 1.26% | 13.01% | 4.07% | 2.80% |
| Q1 2025 | 17.87% | 1.09% | 14.53% | 3.67% | 2.73% |
| Q4 2024 | 17.76% | 1.25% | 12.15% | 3.85% | 2.66% |
| Q3 2024 | 17.79% | 1.07% | 9.99% | 2.86% | 2.56% |
Swipe the table sideways to see every column.
Branch Network
View all 94 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| MidFirst Bank (main office) | Oklahoma City , OK | 73118 | $10.30B |
| Century City Branch | Los Angeles , CA | 90067 | $1.91B |
| Camelback Branch | Phoenix , AZ | 85016 | $1.35B |
| Utica Place Branch | Tulsa , OK | 74114 | $782.1M |
| Dc Ranch Branch | Scottsdale , AZ | 85255 | $483.6M |
| Cherry Creek Bkg Ctr | Denver , CO | 80206 | $465.9M |
| Grand & Western Branch | Oklahoma City , OK | 73118 | $461.4M |
| Main & Flood Branch | Norman , OK | 73069 | $384.5M |
| Midfirst-Newport Branch | Newport Beach , CA | 92660 | $294.6M |
| San Fernando Branch | Encino , CA | 91436 | $294.2M |
| Rockwell & Hefner Branch | Oklahoma City , OK | 73162 | $284.7M |
| Lake Pleasant Branch | Peoria , AZ | 85383 | $242.9M |
| Midfirst-Houston Branch | Houston , TX | 77079 | $236.2M |
| Las Vegas Branch | Las Vegas , NV | 89113 | $227.0M |
| Mustang Branch | Mustang , OK | 73064 | $220.5M |
| Edmond East Branch | Edmond , OK | 73034 | $210.8M |
| Uhills Banking Center | Denver , CO | 80222 | $208.1M |
| 65th Ave & Bell Branch | Glendale , AZ | 85308 | $174.0M |
| Yukon Branch | Yukon , OK | 73099 | $168.3M |
| Rural & Elliot Branch | Tempe , AZ | 85284 | $167.3M |
| SW 104th & Penn Branch | Oklahoma City , OK | 73159 | $166.5M |
| Edmond Branch | Edmond , OK | 73013 | $166.3M |
| 64th & Greenway Branch | Scottsdale , AZ | 85254 | $164.0M |
| 164th & N. May Branch | Edmond , OK | 73013 | $163.5M |
| Chickasha Branch | Chickasha , OK | 73018 | $162.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2026 | Structure Change | Acquired Dallas Capital Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2026 | M&A | Acquired Dallas Capital Bank, National Association merger for the acquired bank | SEC |
| July 1, 2016 | Structure Change | Acquired 1st Century Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2016 | M&A | Acquired 1st Century Bank, National Association merger for the acquired bank | SEC |
| July 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 7, 2015 | Structure Change | Acquired Steele Street Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 7, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 7, 2015 | M&A | Acquired Steele Street Bank & Trust merger for the acquired bank | SEC |
| August 15, 2009 | Structure Change | Acquired Community Bank of Arizona Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 15, 2009 | M&A | Acquired Union Bank of Arizona, N.A. failure_government_assistance_provided for the acquired bank | SEC |
| August 14, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 13, 1997 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 13, 1997 | M&A | Acquired another institution merger for the acquired bank | SEC |
| September 12, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 28, 1997 | M&A | Acquired MidFirst Bank merger for the acquired bank | SEC |
| June 28, 1997 | Structure Change | Acquired MidFirst Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 17, 1991 | Structure Change | Acquired State Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 17, 1991 | M&A | Acquired State Federal Savings Association failure_government_assistance_provided for the acquired bank | SEC |
| August 10, 1991 | Structure Change | Acquired Continental Federal Savings and Loan Association, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 10, 1991 | M&A | Acquired Continental Federal Savings and Loan Association, F.A. failure_government_assistance_provided for the acquired bank | SEC |
| July 30, 1988 | Structure Change | Acquired The American Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 30, 1988 | M&A | Acquired The American Federal Savings and Loan Association failure_government_assistance_provided for the acquired bank | SEC |
| October 14, 1986 | Structure Change | Acquired Homestead Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 14, 1986 | M&A | Acquired Homestead Savings and Loan Association failure_government_assistance_provided for the acquired bank | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 24 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 7 against individuals associated with it
- April 9, 2019, OCC: Civil Money Penalty (CMP): Midfirst Bank
- Period: Most recent institution action April 9, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 10.9% of deposits in OK, rank 2 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 14,630 applications, 2,416 loans originated, $1.81B originated, across 52 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 39 loans, $58.6M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 483 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about MidFirst Bank
What are MidFirst Bank's total assets?
As of the Q2 2026 filing, MidFirst Bank reported total assets of $42.83 billion in its FFIEC call report.
Where is MidFirst Bank headquartered?
It is headquartered in Oklahoma City, OK, United States.
When was MidFirst Bank founded?
It was established in 1911, per the FDIC institution directory.
Is MidFirst Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #4063). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates MidFirst Bank?
MidFirst Bank's primary federal regulator is the OCC.
What is MidFirst Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.23% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does MidFirst Bank operate?
It operates 93 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is MidFirst Bank's Texas Ratio?
Its Texas Ratio is 4.67% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was MidFirst Bank previously called?
The charter now named MidFirst Bank has also operated as Oklahoma Bank and Trust Company (1997), Oklahoma National Bank & Trust Company of Chickasha (1962-1997), per FDIC structure-change records.
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