Midfirst Bank
Oklahoma City, Oklahoma · FDIC Cert #4063
Midfirst Bank is an FDIC-insured bank (Certificate #4063) with $37.9B in total assets and $23.0B in total deposits as of the Q2 2024 Call Report. Headquartered in Oklahoma City, Oklahoma, the bank maintains a Tier 1 capital ratio of 17.60% (Well-Capitalized) and a nonperforming loan ratio of 9.18%. BankHealthData assigns a composite Health Grade of C (50/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Midfirst Bank (FDIC cert 4063) is a large bank with $37.9B in total assets and $23.0B in deposits, headquartered in Oklahoma City, Oklahoma. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is strong: Tier 1 capital ratio of 17.60% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality shows stress: non-performing loan ratio of 9.18% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is thin: 13.8% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.00% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Midfirst Bank carries a composite BankHealth grade of C (50/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Midfirst Bank
- Total Assets
- $37.9B
- Total Deposits
- $23.0B
- Tier 1 Capital Ratio
- 17.60%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 9.18%
- Liquidity Ratio
- 13.81%
- Return on Assets
- 1.00%
- Headquarters
- Oklahoma City, Oklahoma
- FDIC Certificate
- #4063
- Health Grade
- C (50/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Midfirst Bank holds a Tier 1 capital ratio of 17.60%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Midfirst Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Midfirst Bank shows average financial health. While not alarming, its Health Score of 50/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Midfirst Bank Compares
Midfirst Bank’s Health Score of 50 is 14 points below the Oklahoma state average of 64 across 141 FDIC-insured banks. Its 17.60% Tier 1 capital ratio is 3.6 points above the US banking industry average near 14%. The 9.18% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.00% is below the national ROA benchmark of ~1.1%. Among 54 similarly-sized banks, the average Health Score is 79, meaning this bank ranks below its size cohort. Site-wide, Midfirst Bank is 20 points below the portfolio average of 70.
Frequently Asked Questions
Midfirst Bank has a Bank Health Score of C (50/100), placing it in average financial health. It holds a Tier 1 capital ratio of 17.60%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Midfirst Bank's Tier 1 capital ratio of 17.60% and nonperforming loan ratio of 9.18% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Midfirst Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4063). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Midfirst Bank holds $37.9B in total assets and $23.0B in total deposits. It is headquartered in Oklahoma City, Oklahoma (FDIC Certificate #4063).
Midfirst Bank has a Tier 1 capital ratio of 17.60%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 9.18%, and the return on assets is 1.00%.
Yes. Midfirst Bank is FDIC-insured (Certificate #4063). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Midfirst Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.