MIDFIRST BANK

OKLAHOMA CITY, OK · Supervised by OTS

Est. 1911FDIC #4,063

Satisfactory Same

Current rating · Exam: April 1996

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.39%

Institution Profile

FDIC BankFind

Website

www.midfirst.com

Address

501 Nw Grand Blvd, OKLAHOMA CITY, OK

County

Oklahoma County

Established

February 28, 1911

Total Assets

$42.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 15, 1996

Exam Type

Assessment Factor

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 30 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$42.1B

Total Deposits

$24.7B

Net Loans

$33.4B

Net Income

$145M

ROA

1.39%

Above avg for Regional banks. Peer avg: 0.88%

ROE

14.48%

Risk-Based Capital

19.68%

Below avg for Regional banks. Regulatory min: 8%

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

ROA1.39%Peer avg: 0.88%▲ Above avg

Risk-Based Capital19.68%Peer avg: 30.04%▼ Below avg

Mortgage Denial Rate15.55%Peer avg: 26.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$24.7B

1-Year Change

5-year net change: +12 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	2,605	73.7%	15.55%
2023	3,106	73.05%	13.72%
2022	3,623	72.7%	16.15%
2021	5,116	67.98%	20.97%
2020	5,031	65.41%	20.19%
2019	4,936	64.75%	23.76%
2018	4,593	58.44%	33.01%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Apr 1996	Satisfactory	Assessment Factor
Feb 1994	Satisfactory	Assessment Factor
Feb 1992	Satisfactory	Assessment Factor

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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