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MidFirst Bank Rates & Review September 2026

Item: MidFirst Bank
Rating: 5
Author: John Spangler

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

MidFirst Bank's Credit Card Rates are at 13.49%. MonitorBankRates evaluates the financial stability of MidFirst Bank with a 1.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 147.25%. Rates last updated and verified on 09/23/2026.

MidFirst Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at MidFirst Bank? Share your experience about MidFirst Bank by leaving a review below, or read customer reviews before you decide to use MidFirst Bank.

Overall Health & Safety Grade

High Risk Health Score: 0/100

MonitorBankRates Rating

1.0

Weak Out of 5.0 Stars

Texas Ratio

147.25%

Weak Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

MidFirst Bank

501 Nw Grand Blvd
Oklahoma City, OK 73118

https://www.midfirst.com

MidFirst Bank Credit Card Rates

Product	Rate	APR
Platinum Credit Card	-	13.49%
Details Published APR range: 13.49% - 21.49%. Intro rate expires: 12 months; Regular APR: 13.49% - 21.49% (varies based on prime rate up to 24.99%) Last Updated 09/18/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 147.25%
Rewards Credit Card	-	17.49%
Details Published APR range: 17.49% - 23.49%. Intro rate expires: 12 months; Regular APR: 17.49% - 23.49% (varies based on prime rate up to 24.99%); Earn 20,000 bonus points when you spend $2,000 in the first 90 days Last Updated 09/18/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 147.25%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

MidFirst Bank’s Texas Ratio rose from 75.49% in Q3 2023 to 147.25% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 1.0 to 1.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$42.8B	147.25%	1.0	F
March 31, 2026	$42.1B	160.34%	1.0	F
December 31, 2025	$41.4B	121.19%	1.0	F
September 30, 2025	$41.2B	97.98%	1.0	F
June 30, 2025	$40.4B	116.10%	1.0	F
March 31, 2025	$39.5B	125.09%	1.0	F
December 31, 2024	$39.1B	101.90%	1.0	F
September 30, 2024	$39.0B	90.44%	1.0	F
June 30, 2024	$37.9B	75.26%	1.0	F
March 31, 2024	$36.9B	81.16%	1.0	F
December 31, 2023	$36.7B	79.02%	1.0	F
September 30, 2023	$36.6B	75.49%	1.0	F

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for MidFirst Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather MidFirst Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with MidFirst Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name MidFirst Bank

Bank Holding Company G JEFFREY RECORDS JR 2020 FAMILY TR

Address 501 Nw Grand Blvd, Oklahoma City, OK 73118 · Oklahoma

Website https://www.midfirst.com

FDIC Certificate # 4063

Established 19110228

FDIC Insurance Date 19890809

Domestic Offices 93

Total Branches 94

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 0/100

1.0

Weak Out of 5.0 Stars

147.25%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4583%

Return on Equity (ROE) 15.1300%

Non-Performing Loans (NPL) 14.34%

Total Assets $42,834,126,000

Total Deposits $25,329,496,000

Equity Capital $4,189,376,000

Net Income $307,004,000

Headquarters Oklahoma City

Total Branches and Offices 93

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

John Spangler

★★★★★

June 20, 2026

I have banked at Midfirst and have never had a problem with them, well there was one and the snafu follows The only thing that went wrong was I withdrew $500.00 and I was recounting my money. The teller messed up and gave me $100.00 to much--so I had a total withdraw of $600.00. When i found it I was still in the lobby. I went back to the teller, layed the money down and had her recount it. She did and gave me the $500.00 back. She didn\'t say thank you for your honesty or anything else. I overlooked it and I\'m still doing business with them.

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Average Rating

★★★★★

Total Reviews

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Frequently Asked Questions About MidFirst Bank

How many branches does MidFirst Bank operate?

MidFirst Bank currently maintains approximately 94 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, MidFirst Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, MidFirst Bank provides members with tools to manage their accounts and build a solid financial history.

Does MidFirst Bank offer online and mobile banking?

Most modern institutions like MidFirst Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.midfirst.com.