MidFirst Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 58.3% higher than in Q1 2026, at $277.9M. MidFirst Bank ranks 17th of 71 Oklahoma banks on CET1 ratio, in the upper half at 18.23% (Q2 2026). MidFirst Bank reported 18.23% on CET1 ratio for Q2 2026, 5.27 points above the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.23% |
| Tier 1 risk-based capital ratio | 18.23% |
| Total risk-based capital ratio | 19.48% |
| Tier 1 leverage ratio | 9.01% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $3.83B |
| Tier 1 capital | $3.83B |
| Total risk-based capital | $4.09B |
| Total equity capital | $4.19B |
| Risk-weighted assets | $21.01B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.78% |
| Tangible equity to tangible assets | 9.61% |
| Equity capital to average assets | 9.84% |
| Internal capital growth rate | 0.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $190.4M |
| Retained earnings | $3.72B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $277.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 17.27% | 17.27% | 18.41% | 8.72% | $18.58B |
| Q4 2023 | 17.75% | 17.75% | 18.90% | 8.93% | $18.54B |
| Q1 2024 | 17.86% | 17.86% | 19.04% | 8.99% | $18.65B |
| Q2 2024 | 17.60% | 17.60% | 18.78% | 8.90% | $18.93B |
| Q3 2024 | 17.79% | 17.79% | 18.97% | 8.77% | $19.02B |
| Q4 2024 | 17.76% | 17.76% | 18.94% | 8.78% | $19.43B |
| Q1 2025 | 17.87% | 17.87% | 19.09% | 8.95% | $19.74B |
| Q2 2025 | 17.74% | 17.74% | 18.96% | 8.86% | $20.09B |
| Q3 2025 | 17.89% | 17.89% | 19.11% | 8.86% | $20.28B |
| Q4 2025 | 18.53% | 18.53% | 19.75% | 9.04% | $20.15B |
| Q1 2026 | 18.43% | 18.43% | 19.68% | 9.10% | $20.77B |
| Q2 2026 | 18.23% | 18.23% | 19.48% | 9.01% | $21.01B |
MidFirst Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock MidFirst Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full MidFirst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4063) · FFIEC NIC profile (RSSD 595270)