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501 NW Grand Boulevard
Oklahoma City, OK 73118

Midfirst Bank is a privately held bank offering a range of personal, commercial, trust, and mortgage banking products and services.

On its personal banking side, Midfirst offers checking, savings, money market, and certificate of deposit accounts. Its checking options range from a reward account with performance requirements earning higher interest to a simple student account. The bank has a children’s savings account and program along with a basic savings account and features a money market account that increases earning power while maintaining liquidity. Midfirst also makes both fixed and callable CDs available to customers.

Midfirst Bank online banking features a sophisticated Internet platform from which customers can manage their accounts. The bank also has a mobile app that provides remote deposit capabilities as well as account management functions.

Midfirst Bank was originally established as the Oklahoma National Bank & Trust Company of Chickasha in 1911. In 1997 the bank changed its name to Midfirst Bank and three years later moved its headquarters to Oklahoma City, Oklahoma, where they remain today. The bank operates multiple branch locations across several states.

Related Posts

Top 7-Year CD Rates at MidFirst Bank in Arizona & Oklahoma - 8/30/2013

MidFirst Bank made a big increase in its 7-year CD and IRA CD rates. The Fixed 7-year CD APY increased from 2.00% to 2.50%. MidFirst also has callable CDs, and the 7-year callable CD with a 6-month lo ...

Remembering Check Fee Lawsuit

Midfirst Bank was caught rearranging purchases so they could charge more fees to accounts that were overdrawn and were sued and lost in court. It seems that they scammed people out of millions of dollars in check fees. Remember that before you do business with Midfirst Bank. I think overdraft fees are fair but rearranging the accounting to collect more fees is just bad business and should be treated as a criminal act.

WOW- Exceptional Service!

My wife and I recently opened 2 new accounts with MidFirst Bank. We went into the one at Yale & 91st Street in Tulsa. We had the pleasure of dealing with a young man named Kevin. He asked me several open ended questions to understand exactly what fit me best. I was impressed at the beginning, before he knew anything about me, he told my wife (Gayle) and I that he would be asking me some questions to ensure that he recommended the right products & services to fit our needs. I was quite taken back. Coming from the Bank of America- located across the street- to this... I was impressed from the get-go. Kevin made recommendations to us and then explained why he was recommending a certain account to us, based on the answers to his questions.

Kevin explained how MidFirst was a privately owned bank- based out of Oklahoma City. I really liked that. He stated that our money stays in our community instead of going "God knows where"... Did I mention he was funny to?


We opened up 2 checking accounts and moved a considerable amount of our assets to MidFirst.


I highly recommend MidFirst & Kevin to anyone who wants a small bank feel but with the bells and whistles of a big bank. You can even make a deposit by taking a picture of it on my android!


Thank you so much MidFirst & Kevin- great job!


Dr. & Mrs. B.

Love The Personal Service And No Fees

I absolute love Midfirst!   It is small enough to be personal.    I simply asked and they linked my accounts.   I have no fees on both my business and checking accounts.   I can use any ATM and my fees will be rebated if charged.  

 I have online banking.  I set up my bills for payment.  I get an email as soon as they come out.   Their system is a bit different than other banks.  I could not go in to change my pin as with other banks. I kept waitng for a chance to to in person to change the pin and was a bit irritated when the banker couldnt' do it.   But to my surprise it was exceptionally easy process on the phone  I had to call to set up the online bill pay.  It did take about 2 days to get my confirmation.  Again a different system but it works.  I was upset the accounts weren't linked   Called and was told they would link.  Thought it woudl be another couple of days.  Next time I looked at my email (within hours it was linked)   But that was their way of confirming that it was me that made the change.  

At times, I wasn't sure if I liked it but everything that has happened made sense and it works like perfectly.    I love the tellers seems like every time we end up in a conversation just because they are so friendly and helpful.  The lobby at Thunderbird and 7th Street in Phoenix feels so good.  Professional and warm and welcoming.  I still am on an account for the merchants on Cave Creek Road and when I go to the bank, something about the lobby seems cold.   I haven't closes my Chase accounts because I am waiting for one of my direct deposits to go to Midfirst once before I close it.  (I waited to change the direct deposit until I was sure that I liked Midfirst and get that deposit seldom.)

Chase started charging monthly fees for my personal savings because it was under $300 with very short warning and the notice was in the fine print with a bank statement.  New business accounts have a $12 or $15 monthly service fee without keeping $1000's minimum balance    Midfirst has a no balance requirement for no fees.  I sure love that since my business is very small. 

Oh and free coin counting even if you aren't a customer

Sure love Midfirst... especially the $125 that I got for signing up for a group of services. 


Midfirst Rocks My Socks Off. (Midfirst Bank VS. AT&T)

I locked myself out of my Midfirst account. I called in because you have to unlock it over the phone. On hold for about 30 seconds, then I was on the line with someone. I talked to the first girl and she was super super friendly. It was like she was smiling so big she was about to just laugh out of pure joy in talking to me. She had to transfer me, the wait was about 30 seconds and the second person was super nice too! She had already unlocked my account by the time I was on the phone with her. So basically she just had to ask if I needed anything else. Time: <2min Problem resolved: yes. Mood: Even better than it was to start with. Let's compare. When you call AT&T you typically wait on hold for 30 minutes, then you get to the tier 1 person. They can't help, don't know how to help, and don't really care about your opinion of the company. They take a bunch of information to confirm your identity at the beginning of the conversation, and then you struggle through their inability to assist you for 10 minutes. Then they tell you they have to transfer you to someone else (thank goodness, because they are so tired of having to deal with a customer). They transfer you, and you sit on hold for 15 minutes. Then you get someone else who is slightly less interested in helping you than the last person. They ask you all of the exact same questions to confirm your identity, and then they spend 10 minutes figuring out that they can't or won't help you. Can you talk to a supervisor? No, we don't have supervisors that handle customer issues. etc. etc. This could go on through 3 or more transfers. Time: 45 minutes to 90 minutes. Problem resolved: no. Mood: pissed off to the point of screaming at someone.



Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 MidFirst Bank had $108.86 million in non-current loans and owned real-estate with $1.22 billion in equity and loan loss allowances on hand to cover it. This gives MidFirst Bank a Texas Ratio of 8.93% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for MidFirst Bank decreased dramatically from 43.35% as of December 31, 2012 to 8.93% as of December 31, 2013, resulting in a positive change of 79.40%.This indicates that the balance sheet and financial strength for MidFirst Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, MidFirst Bank has decreased its total deposits by -$67.75 million, resulting in -1.19% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth MidFirst Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. MidFirst Bank has $9.6 billion in assets with $1.22 billion in equity, resulting in a capitalization level of 12.70%, which is excellent.

Institution Statistics

FDIC Certificate #4063
Year Established1911
Primary RegulatorOCC
Assets and Liabilities
Assets$9.60 billion
Loans$7.68 billion
Deposits$5.61 billion
Equity Capital$1.13 billion
Loan Loss Allowance$84.33 million
Unbacked Noncurrent Loans$52.65 million
Real Estate Owned$56.21 million
Historic Data - December 2012
Assets$9.86 billion
Equity Capital$1.15 billion
Loan Loss Allowance$90.73 million
Unbacked Noncurrent Loans$52.65 million
Real Estate Owned$68.65 million
Profit Margin - Quarterly
Net Interest Margin3.95%
Return on Assets2.04%
Return on Equity17%
Interest Income$441.54 million

Always verify rates and promotions with the bank or credit union. We are not MidFirst Bank, we are a rate comparison website and can not provide official rates or promotions.

MidFirst Bank Savings Account Rates

0.18%$10k-iSave Kids Club
0.08%$10k-Performance Savings

MidFirst Bank Money Market Rates

0.20%$25k-Titanium Money Market Savings

MidFirst Bank Checking Account Rates

1.20%--eChecking - Gold Tier
0.80%--eChecking - Silver Tier
0.40%--eChecking - Bronze Tier
0.08%$20k-M+ Account
0.08%$20k-M+ Privilege
0.01%--eChecking - Base Tier

MidFirst Bank CD Rates

3.00%$1k-120 Month Fixed Rate CD
2.65%$5k$500k84 Month 6 month lock Callable CD
2.60%$5k$500k84 Month 1 year lock Callable CD
2.55%$5k$500k84 Month 2 year lock Callable CD
2.40%$500$500k84 Month Fixed Rate CD
2.05%$5k$500k60 Month 6 month lock Callable CD
2.00%$5k$500k60 Month 1 year lock Callable CD
1.95%$5k$500k60 Month 2 year lock Callable CD
1.90%$500$500k60 Month Fixed Rate CD
1.40%$500$500k48 Month Fixed Rate CD
1.05%$5k$500k36 Month 1 year lock Callable CD
1.00%$5k-33 Month CD special
0.95%$500$500k36 Month Fixed Rate CD
0.70%$500-30 Month Fixed Rate CD
0.65%$5k-27 Month Fixed Rate CD Special
0.55%$5k$500k24 Month 6 month lock Callable CD
0.55%$5k$500k24 Month 3 month lock Callable CD
0.50%$500$500k24 Month Fixed Rate CD
0.45%$500$500k18 Month Fixed Rate CD
0.45%$5k-13 Month Fixed Rate CD Special
0.40%$500$500k12 Month Fixed Rate CD
0.30%$1k$500k182 Day Fixed Rate CD
0.15%$1k$500k91 Day Fixed Rate CD

MidFirst Bank IRA Rates

3.00%$1k-120 Month IRA
2.40%$500-84 Month IRA
1.90%$500-60 Month IRA
1.40%$500-48 Month IRA
1.00%$5k-33 Month IRA Special
0.95%$500-36 Month IRA
0.70%$500-30 Month IRA
0.65%$5k-27 Month IRA Special
0.50%$500-24 Month IRA
0.45%$500-18 Month IRA
0.45%$5k-13 Month IRA Special
0.40%$500-12 Month IRA
0.30%$1k-182 Day IRA
0.15%$1k-91 Day IRA

MidFirst Bank has 80 locations. Click to view all MidFirst Bank locations.