MidFirst Bank
Oklahoma City, Oklahoma, Oklahoma County
$42.8B in total assets, the 59th largest of 4,309 US banks and 2nd of 171 headquartered in Oklahoma.
- FDIC certificate
- 4063
- Established
- 1911
- Owned by
- G Jeffrey Records Jr 2020 Family Tr
- Primary regulator
- OCC
- Website
- www.midfirst.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $42.8B | 80% | $22.4B | |
| Loans | $33.5B | 86% | $14.4B | |
| Deposits | $25.3B | 71% | $18.0B | |
| Return on assets | 1.32% | 56% | 1.29% | |
| Net interest margin | 3.03% | 21% | 3.62% | |
| Efficiency ratio | 52.7% | 42% | 55.2% | |
| Equity to assets | 9.78% | 25% | 11.60% | |
| Loans to deposits | 132% | 98% | 87% |
Growth
Total assets grew 6.6% a year over the last 5 years and 13.3% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2016 | 1st Century Bank, National Association Los Angeles, CA | $763M |
| Jan 2015 | Steele Street Bank & Trust Denver, CO | $573M |
| Aug 2009 | Union Bank, National Association Gilbert, AZ | $120M |
| Aug 2009 | Community Bank of Arizona Phoenix, AZ | $159M |
| Jun 1997 | MidFirst Bank Oklahoma City, OK | $78M |
| Aug 1991 | State Federal Savings Association Tulsa, OK | $218M |
| Aug 1991 | Continental Federal Savings and Loan Association, F.A. Oklahoma City, OK | $230M |
| Jul 1988 | The American Federal Savings and Loan Association Anadarko, OK | $65M |
| Oct 1986 | Homestead Savings and Loan Association Woodward, OK | $135M |
Where they operate
94 branches in 26 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Oklahoma County, OK | $12.6B | 26.6% | 1 of 60 |
| Maricopa County, AZ | $4.4B | 2.3% | 6 of 55 |
| Los Angeles County, CA | $2.3B | 0.5% | 24 of 91 |
| Tulsa County, OK | $1.3B | 3.7% | 6 of 52 |
| Cleveland County, OK | $961M | 15.5% | 1 of 28 |
| Denver County, CO | $674M | 1.1% | 14 of 45 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 9 branches since 2016 (85 to 94, +10.6%). 22 opened, 1 acquired, 14 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 85 | |||
| 2016 | Acquired 1st Century Bank, National AssociationClosed Mesa | 1 | 1 | 0 | 85 |
| 2017 | Closed 4 in 2 states | 0 | 4 | −4 | 81 |
| 2018 | Opened 3 in 3 statesClosed Goodyear and Oklahoma City | 3 | 2 | +1 | 82 |
| 2019 | Sold 3 branches to Equity BankOpened Edwards | 1 | 3 | −2 | 80 |
| 2020 | Opened Encino | 1 | 0 | +1 | 81 |
| 2021 | Closed Denver | 0 | 1 | −1 | 80 |
| 2022 | Opened Houston | 1 | 0 | +1 | 81 |
| 2023 | Opened 3 in 2 statesClosed Phoenix and Tempe | 3 | 2 | +1 | 82 |
| 2024 | Opened San Antonio and Santa Barbra | 2 | 0 | +2 | 84 |
| 2025 | Opened 11 in 4 statesClosed Yukon | 11 | 1 | +10 | 94 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 64% | 20% | |
| Commercial real estate | 21% | 25% | |
| Business (C&I) | 8% | 17% | |
| Construction and land | 3% | 6% | |
| Multifamily | 3% | 8% | |
| Consumer | 1% | 10% | |
| Other | 0% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 68% | 62% | |
| Noninterest-bearing | 19% | 20% | |
| Time deposits | 13% | 18% |
Brokered deposits are 0.0% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 3.47% | 0.63% |
| Net charge-offs, annualized | 0.06% | 0.14% |
| Reserves to loans | 0.65% | 1.15% |
| Leverage ratio | 9.01% | 10.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Oklahoma
Largest competitors in Oklahoma County, OK
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/midfirst