Total Assets
$41.4B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$24.6B
Customer-funded liabilities
Net Loans
$31.8B
Outstanding loan book
Net Income
$478M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
56th percentile nationally
1.19%
Return on Equity (ROE)
12.57%
Efficiency Ratio
57.08%
What the numbers say about MidFirst Bank
MidFirst Bank is an FDIC-insured institution (Certificate #4063) headquartered in Oklahoma City, Oklahoma, established in 1911. It holds $41.4B in total assets - 57th of 4,313 FDIC-insured banks, $24.6B in customer deposits, and $31.8B in net loans. Looking at capital strength, Tier 1 stands at 18.53%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 114.30%, above the 50% mark that flags elevated risk. It earns a PlainBankData health grade of B (72/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
MidFirst Bank's asset base places it among the largest FDIC-insured institutions in the country, 57th of 4,313 nationally, and 2nd of 172 banks headquartered in Oklahoma. Only BOKF ($52.0B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$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.
Top banks in Oklahoma by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is MidFirst Bank's health grade?▼
MidFirst Bank receives a health grade of B (72/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is MidFirst Bank?▼
MidFirst Bank holds $41.4B in total assets and $24.6B in deposits, ranking 57th of 4,313 FDIC-insured banks by asset size. It is headquartered in Oklahoma City, Oklahoma.
Is my money safe at MidFirst Bank?▼
Yes, deposits at MidFirst Bank (Certificate #4063) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is MidFirst Bank's Tier 1 Capital Ratio?▼
MidFirst Bank has a Tier 1 Capital Ratio of 18.53%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for MidFirst Bank?▼
MidFirst Bank has a Texas Ratio of 114.30%. Crossing 50% is the point where analysts flag elevated credit risk. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is MidFirst Bank?▼
MidFirst Bank has an Efficiency Ratio of 57.08%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read MidFirst Bank's profile as a depositor or analyst.
- MidFirst Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare MidFirst Bank against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.