MidFirst Bank


501 Nw Grand Boulevard
Oklahoma City, OK 73118
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 1.40% →
1-Year CD 0.30% 1.15% →
2-Year CD 0.40% 1.26% →
5-Year CD 0.65% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

MidFirst Bank is an FDIC insured institution located in Oklahoma City, OK. It was founded in 1911 and has approximately $24.2 billion in assets. Customers can open an account at one of its 86 branches.

FDIC Insured Yes
FDIC Certificate # 4063
Date Established 1911
Assets $ 24.20 billion
Loans $ 16.66 billion
Deposits $ 12.92 billion
Capital $ 1,532.59 million

For a more detailed analysis of MidFirst Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 12, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.15% $1 $9,999 Learn More
0.10% $1 $9,999 Learn More
Money Market
0.05% $1 $4,999 Learn More
Money Market
1.00% $10,000 $24,999 Learn More
Money Market
0.10% $10,000 $24,999 Learn More
Money Market
1.00% $25,000 $49,999 Learn More
Money Market
0.10% $25,000 $49,999 Learn More
3 Mo CD
0.15% $1,000 - Learn More
6 Mo CD
0.25% $1,000 - Learn More
12 Mo CD
0.30% $1,000 - Learn More
18 Mo CD
0.35% $1,000 - Learn More
24 Mo CD
0.40% $1,000 - Learn More
30 Mo CD
0.45% $5,000 - Learn More
36 Mo CD
0.50% $1,000 - Learn More
48 Mo CD
0.55% $1,000 - Learn More
60 Mo CD
0.65% $1,000 - Learn More

Fixed IRA
0.30% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.03% $1 $2,499 Learn MoreShow Less
Int Ckg
0.05% $2,500 $9,999 Learn MoreShow Less

Online Only Savings Rates of Vio Bank, A Division of MidFirst Bank

Online Savings Rates APY MIN MAX
Online Savings Account
1.11% $0 - Learn More

Online Only CD Rates of Vio Bank, A Division of MidFirst Bank

Online CD Rates APY MIN MAX
12 Month CD
0.20% $500 - Learn More
18 Month CD
0.30% $500 - Learn More
24 Month CD
0.35% $500 - Learn More
36 Month CD
0.45% $500 - Learn More
48 Month CD
0.50% $500 - Learn More
60 Month CD
0.60% $500 - Learn More
Checking Rates APY MIN FEE
eChecking 0.03% $0 $12.00 Learn MoreShow Less
M+ Account 0.05% $1,500 $10.00 Learn MoreShow Less
M Account 0.00% $1,000 $6.00 Learn MoreShow Less

Bank Online Offers

Loan Rates - July 12, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for MidFirst Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.950% 2.875% 1.00 $2,438 $1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to MidFirst Bank
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Financial Details

MidFirst Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of MidFirst Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
MidFirst Bank U.S. Bank Average
164.37% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, MidFirst Bank had $2,711,268,000 in non-current loans and $15,166,000 in owned real estate. To cover these potential losses it had $1,532,591,000 in equity and $126,093,000 in loans loss reserves. That gives it a Texas Ratio of 164.37%.

Return on Equity
MidFirst Bank U.S. Bank Average
13.86% 7.80%

MidFirst Bank has a Return on Equity of 13.86% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

MidFirst Bank U.S. Bank Average
6.33% 12.68%

MidFirst Bank has a Capitalization of 6.33% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

MidFirst Bank Balance Sheet Analysis

As of March 31, 2020, MidFirst Bank had assets of $24,197,472,000, loans of $16,661,167,000, and deposits of $12,924,693,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions $ 2.22 billion
Interest-bearing balances $ 1,983.41 million
Total securities $ 3.69 billion
Federal funds sold and reverse repurchase $ 0.10 million
Net loans and leases $ 16.66 billion
Loan loss allowance $ 126.09 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 15.17 million
Goodwill and other intangibles $ 301.77 million
All other assets $ 1,070.94 million
     Total Assets $ 22.66 billion
Total deposits $ 12.92 billion
      Interest-bearing deposits $ 9.41 billion
      Deposits held in domestic offices $ 12.92 billion
      % insured (estimated) 76.43%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 9.62 billion
Subordinated debt N.A.
All other liabilities $ 120.93 million
      Total Liabilities $ 22.66 billion
      Shareholders’ Equity $ 1,532.59 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 231.28 million
Total Interest Expense $ 72.95 million
Net interest income $ 158.33 million
Provision for loan and lease losses $ 14.93 million
Total non interest income $ 34.86 million
Total non interest expense $ 117.12 million
Pre-tax Net Operating Income $ 61.13 million

Bank Loan Profile?

The top three loan types in MidFirst Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Oklahoma, MidFirst Bank has a significantly higher percent of 1-4 Family Residential Loans, Credit Card Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 51.21
Credit Card Loans 0.17
Consumer Auto Loans 0.21
Small Business Loans 3.66
Construction and Development Loans 5.78
Commercial Real Estate 27.73
Commercial and Industrial Loans 10.82
Farm Loans 0.00

Frequently Asked Questions About Midfirst Bank

Branches and Savings

Is Midfirst Bank FDIC insured?

Yes. It is covered under FDIC Certificate #4063.

Why does Midfirst Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Midfirst Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Midfirst Bank a commercial bank?


Where are Midfirst Bank locations?

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Is Midfirst Bank open on Saturdays?

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Are Midfirst Bank ATMs Open 24/7?

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Will Midfirst Bank notarize my document?

What address for Midfirst Bank should I put for incoming ACH transfers?

Will the Midfirst Bank branch print checks?

Do Midfirst Bank checks expire?

Does Midfirst Bank require US citizenship to open account?

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Does Midfirst Bank Report to credit bureaus?

Does Midfirst Bank Use Equifax?

What is Midfirst Bank's ACH Routing Number?

What is Midfirst Bank's SWIFT code?


Does Midfirst Bank offer mortgages?

Compare mortgage rates here.

Does Midfirst Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Midfirst Bank offer personal loans?

Compare personal loan rates here.

Does Midfirst Bank offer student loans?

Will Midfirst Bank cash a check?

Will Midfirst Bank redeem a savings bond?

Does Midfirst Bank cash savings bonds?

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Can Midfirst Bank issue a money order?

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Background on The Bank

Who owns Midfirst Bank?

How long has Midfirst Bank been around?

Can Midfirst Bank transfer to other banks?

Does Midfirst Bank have quick pay?

Does Midfirst Bank accept rolled coins?

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