The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 2 points (32 → 34), mostly because the earnings component improved by 11 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Oklahoma

Yes. MidFirst Bank is an FDIC-insured institution (FDIC certificate #4063). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.4% of deposits ($6.2B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.01%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.48% (benchmark: 10%).

Check how much of your own balance is covered

MidFirst Bank lists 93 offices in 45 cities across 7 states. Most locations:

• Oklahoma City, OK (13)
• Edmond, OK (7)
• Houston, TX (6)
• Tulsa, OK (6)
• Phoenix, AZ (5)
• Broken Arrow, OK (3)
• Gilbert, AZ (3)
• Norman, OK (3)
• Scottsdale, AZ (3)
• Denver, CO (2)
• Los Angeles, CA (2)
• Moore, OK (2)

All branch addresses and map

Over the last three years, the CFPB forwarded 954 consumer complaints about MIDFIRST BANK to the company (466 in the last 12 months). 100.0% received a timely response. That is 37.7 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, MidFirst Bank reported 3,262 home-loan applications under HMDA (LEI 337KMNHEWWWR6B7Q7W10): 2,416 originated ($1,806,820,000 total), 479 denied, and 324 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

All Midfirst Bank card terms

Legal name

MidFirst Bank

Former names

Oklahoma Bank and Trust Company; Oklahoma National Bank & Trust Company of Chickasha; Oklahoma National Bank of Chickasha

Type

Savings bank

FDIC certificate #

4063

RSSD ID

595270

Primary regulator

OCC

Holding company

G Jeffrey Records Jr 2020 Family Tr

Established

February 28, 1911

Headquarters

501 Nw Grand Blvd, Oklahoma City, OK 73118

Website

www.midfirst.com

Employees

3,352