FDIC Cert #4063 · Oklahoma City, Oklahoma · Est. 1911

MidFirst Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$41.4B
Total assets
B
Health grade · Good
1.19%
Return on assets
18.5%
Tier 1 capital

Data updated July 2026

The verdict

MidFirst Bank earns a PlainBankData health grade of B (72/100), with well-capitalized at 18.53% Tier 1, profitable at 1.19% ROA, efficient (57% cost ratio).

#57
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
18.53%
Tier 1 ratio - above the 10% well-capitalized line
56th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 4063 · OK B · 72/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-DANGER · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (72/100)
  • MID-PACK #2860/4307
  • PHOTO-FINISH First National Bank… · AR
  • TIER1-WELL 18.5% Tier 1
  • TEXAS-DANGER 114.3% Texas
  • ROA-PAR 1.19% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: First National Bank Of Commerce, AR (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around MidFirst Bank

Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100CNB St Louis Bank · MO · near72/100First National Bank… · AR · …72/100MidFirst Bank · OK · this ba…72/100SJN Bank of Kansas · KS · ne…72/100The First National B… · CO ·…72/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around MidFirst Bank · July 2026

What MidFirst Bank's Call Report plate shows

MidFirst Bank (FDIC Cert #4063) carries a PlainBankData health grade of B at 72/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,860 of 4,307. Tier 1 capital prints at 18.53%, clearing the 10% well-capitalized line. The Texas Ratio is 114.30%, above the 50% watch level where troubled assets press the capital cushion. Return on assets is 1.19%. Balance-sheet scale is $41.4B, 57th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First National Bank Of Commerce (AR), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around MidFirst Bank

8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)

MidFirst Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; MidFirst Bank remains an active FDIC-insured reporter.

  • FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
  • THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
  • THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.

How MidFirst Bank's 72/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10072/100
MidFirst Bank's composite health score
Tier 1 Capital Ratio (18.53%) 40/40
Return on Assets (ROA) (1.19%) 20/25
Texas Ratio (114.30%) 0/20
Efficiency Ratio (57.08%) 12/15

72 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$41.4B

Total balance-sheet footings

Total Deposits

$24.6B

Customer-funded liabilities

Net Loans

$31.8B

Outstanding loan book

Net Income

$478M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.13% 18.53% 19.93%
Basel III capital ratios - MidFirst Bank

Where MidFirst Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. MidFirst Bank's score of 72/100 falls in the highlighted band.

MidFirst Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

72 34th percentile higher than 34% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. MidFirst Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

MidFirst Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). MidFirst Bank's $41.4B falls in the highlighted band.

Safety ratios for MidFirst Bank

Tier 1 capital ratio
Well-capitalized 10%

18.53% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.53%
Texas Ratio
114.30%
Equity Capital
$3.9B

What these ratios mean →

Earnings posture at MidFirst Bank

Return on Assets (ROA)
56th percentile nationally
1.19%
Return on Equity (ROE)
12.57%
Efficiency Ratio
57.08%

What these mean →

Income & expense at MidFirst Bank

$2.1B
Interest Income
$137M
Non-Interest Income
$708M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. MidFirst Bank reports a Texas Ratio of 114.30% - in the danger zone above 100%, where troubled assets exceed the capital cushion.

Texas Ratio
Caution 50%

114.30% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at MidFirst Bank

MidFirst Bank's grade of B reflects specific pressure points in the FDIC Call Report. Its Texas Ratio of 114.30% sits in the danger zone above 100%, where troubled assets exceed the capital and reserves available to absorb them.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at MidFirst Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View MidFirst Bank on FDIC BankFind →

Top banks in Oklahoma by total assets

Largest banks headquartered in Oklahoma
  1. 1
    BOKF $52.0B

    Tulsa, OK · Grade A

  2. 2
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  3. 3
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  4. 4
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  5. 5
    InterBank $5.5B

    Oklahoma City, OK · Grade B

Top 5 banks in Oklahoma ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to MidFirst Bank by assets

MidFirst Bank is closely matched in total assets by Bank OZK, Deutsche Bank Trust Company Americas, Raymond James Bank, Prosperity Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.44%, versus MidFirst Bank's own 1.19%; the average efficiency ratio is 45.90%, versus 57.08% here; and average Tier 1 capital sits at 20.39%, versus 18.53% at MidFirst Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $41.4B in assets, MidFirst Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to MidFirst Bank nationally by total assets
  1. 1
    Bank OZK $40.8B

    Little Rock, AR · Grade A

  2. 2
    Deutsche Bank Trust Company Americas $43.0B

    New York, NY · Grade A

  3. 3
    Raymond James Bank $43.4B

    Saint Petersburg, FL · Grade A

  4. 4
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  5. 5
    Associated Bank $45.1B

    Green Bay, WI · Grade A

  6. 6
    Atlantic Union Bank $37.5B

    Richmond City, VA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
MidFirst Bank (this bank) OK $41.4B 1.19% 57.08% 18.53%
Bank OZK AR $40.8B 1.78% 35.94% 11.72%
Deutsche Bank Trust Company Americas NY $43.0B 1.86% 45.65% 56.62%
Raymond James Bank FL $43.4B 1.47% 37.33% 13.95%
Prosperity Bank TX $38.5B 1.44% 41.99% 16.51%
Associated Bank, National Association WI $45.1B 1.10% 56.64% 10.52%
Atlantic Union Bank VA $37.5B 0.99% 57.84% 13.02%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($41.4B here), outside Oklahoma so the neighborhood is not state containment.

Bank OZK $40.8B · AR Deutsche Bank Trust Company Americas $43.0B · NY Raymond James Bank $43.4B · FL Prosperity Bank $38.5B · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) MidFirst Bank (FDIC Cert #4063) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

MidFirst Bank Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oklahoma

All Oklahoma banks →
BankAssetsGradeROA
BOKF, National AssociationTulsa $52.0B A 1.10%
First United Bank and Trust CompanyDurant $16.3B B 0.97%
BancFirstOklahoma City $12.1B A 1.79%
InterBankOklahoma City $5.5B B 3.60%
Stride Bank, National AssociationEnid $4.9B A 2.10%
RCB BankClaremore $4.1B A 1.32%
First Fidelity BankOklahoma City $2.9B B 0.94%
Armstrong BankMuskogee $2.7B A 1.25%