Bank Safety Analysis
Is MidFirst Bank Safe? Oklahoma City, Oklahoma
Based on its Q2 2026 call report, MidFirst Bank meets every capital ratio test for well capitalized, its Texas ratio is 4.67%, and its deposits are FDIC insured up to $250,000 per depositor.
BankRegReports is independent of MidFirst Bank and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 call report, MidFirst Bank's CET1 ratio is 18.23%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 18.23%
- Tier 1 leverage ratio (Q2 2026): 9.01%
- Texas ratio (Q2 2026): 4.67%
- Noncurrent loans ratio (Q2 2026): 18.31%
MidFirst Bank is an FDIC-insured savings institution (FDIC Certificate #4063). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
MidFirst Bank is outside the pass range on 1 of 5 safety dimensions: asset quality. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. 2 risk screens are flagged: non-performing loan ratio and loan-to-deposit ratio. Analysis based on the Q2 2026 call report.
Nonperforming loan ratio (nonaccrual plus 90+ days past due) dropped 1.14 percentage points in Q2 2026, from 19.44% to 18.31%. It was the largest change from Q1 2026 among the key lines here. 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. From Q3 2023 to Q2 2026, MidFirst Bank's CET1 ratio ranged between 17.27% (Q3 2023) and 18.53% (Q4 2025) and its Texas ratio ranged between 1.11% (Q3 2023) and 6.60% (Q1 2026). Between Q2 2025 and Q2 2026, MidFirst Bank's CET1 ratio rose from 17.74% to 18.23%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 13.01% to 18.31%, Texas ratio rose from 4.07% to 4.67% and return on assets rose from 1.26% to 1.53%.
Data as of · sourced from FFIEC call reports. How we update
This bank has more than $10 billion in assets. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. The page therefore shows no score or tier for it.
Scorecard by dimension
Peer cohort: $10B to $100B (136 banks) · Industry averages as of Q2 2026.
CET1 of 18.23% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 9.01% is above the 5% well-capitalized threshold.
Nonperforming loans at 18.31% are at a stress-band level above 3%.
Texas Ratio of 4.7% is well below the 100% historical failure threshold.
Efficiency ratio of 51.6% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 18.23% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 4.67% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 18.31% | Flags at 3% or above | Flagged |
| Uninsured deposit share BankRegReports band | 24.37% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 132.36% | Flags at 100% or above | Flagged |
| Commercial real estate to capital supervisory threshold | 167.20% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.22% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 18.23% |
| Q1 2026 | 18.43% |
| Q4 2025 | 18.53% |
| Q3 2025 | 17.89% |
| Q2 2025 | 17.74% |
| Q1 2025 | 17.87% |
| Q4 2024 | 17.76% |
| Q3 2024 | 17.79% |
| Q2 2024 | 17.60% |
| Q1 2024 | 17.86% |
| Q4 2023 | 17.75% |
| Q3 2023 | 17.27% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 4.67% |
| Q1 2026 | 6.60% |
| Q4 2025 | 4.04% |
| Q3 2025 | 4.89% |
| Q2 2025 | 4.07% |
| Q1 2025 | 3.67% |
| Q4 2024 | 3.85% |
| Q3 2024 | 2.86% |
| Q2 2024 | 2.49% |
| Q1 2024 | 2.16% |
| Q4 2023 | 1.30% |
| Q3 2023 | 1.11% |
MidFirst Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 18.23% | 18.31% | 4.67% | 1.53% |
| Mar 31, 2026 | 18.43% | 19.44% | 6.60% | 1.37% |
| Dec 31, 2025 | 18.53% | 14.74% | 4.04% | 1.23% |
| Sep 30, 2025 | 17.89% | 11.25% | 4.89% | 1.13% |
| Jun 30, 2025 | 17.74% | 13.01% | 4.07% | 1.26% |
| Mar 31, 2025 | 17.87% | 14.53% | 3.67% | 1.09% |
| Dec 31, 2024 | 17.76% | 12.15% | 3.85% | 1.25% |
| Sep 30, 2024 | 17.79% | 9.99% | 2.86% | 1.07% |
| Jun 30, 2024 | 17.60% | 9.18% | 2.49% | 0.99% |
| Mar 31, 2024 | 17.86% | 10.16% | 2.16% | 0.95% |
| Dec 31, 2023 | 17.75% | 9.55% | 1.30% | 1.19% |
| Sep 30, 2023 | 17.27% | 9.60% | 1.11% | 1.38% |
Banks with a similar risk profile
3 banks in the same asset tier with the same overall verdict.
Frequently asked
Is MidFirst Bank FDIC insured?
Yes. MidFirst Bank is an FDIC-insured savings institution (FDIC Certificate #4063). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is MidFirst Bank well capitalized?
On its Q2 2026 call report, MidFirst Bank's CET1 ratio is 18.23%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are MidFirst Bank's key safety ratios?
For Q2 2026, MidFirst Bank reports CET1 18.23%, leverage 9.01%, Texas ratio 4.67%, noncurrent loans 18.31%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if MidFirst Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
Add this badge to your website
Free to use. It shows MidFirst Bank’s latest filed figures and updates each quarter.
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 4063) · FFIEC NIC profile (RSSD 595270)
Explore: Full MidFirst Bank profile · Other banks in OK · Metric glossary · How the call report works