BlastPoint's Banking Scorecard

PriorityOne Bank

$1B-$10B Specialty: Commercial MS FDIC cert 21906

Designations: ✓ Community bank ✓ CDFI-certified

Magee, MS

18 branches across MS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 11 in MS.
Deposits +6.4% year over year ($1.0B on the books).
Delinquency rate 1.60%.
Return on assets 2.03%.
Efficiency ratio 60.30% vs a 59.73% peer average.
Loan-to-deposit ratio 88.88% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 11 in MS

View $1B-$10B leaderboard (MS) →

PriorityOne Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 38.7% in tier
+ Profitability Leader: Top 46.4% in tier
+ Net Interest Margin 1.04% above tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 0.58% above tier average
- Delinquency Rate 0.74% above tier average

Get updates when PriorityOne Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$1.2B +3.8% YoY -0.6% QoQ	-$1.6B	$2.8B -0.6% YoY	$2.3B +4.7% YoY	$6.3B +7.7% YoY	16%
Total Loans ?	$915.9M +5.3% YoY +0.4% QoQ	-$1.0B	$2.0B -0.3% YoY	$1.6B +6.5% YoY	$3.2B +9.4% YoY	26%
Total Deposits ?	$1.0B +6.4% YoY +1.4% QoQ	-$1.3B	$2.3B -0.5% YoY	$1.9B +4.9% YoY	$4.9B +7.3% YoY	18%
Return on Assets ?	2.03% +12.1% YoY +6.6% QoQ	+0.64%	1.39% +17.0% YoY	1.27% +12.8% YoY	1.30% +12.1% YoY	Top 10.6% in tier
Net Interest Margin ?	4.91% +6.4% YoY +0.9% QoQ	+1.04%	3.87% +6.2% YoY	4.02% +5.6% YoY	3.95% +4.9% YoY	Top 6.7% in tier
Efficiency Ratio ?	60.30% -4.2% YoY -2.3% QoQ	+0.58%	59.73% -12.6% YoY	65.83% -2.8% YoY	70.05% +2.5% YoY	46%
Delinquency Rate ?	1.60% +246.7% YoY +241.3% QoQ	+0.74%	0.87% +11.7% YoY	1.03% +6.0% YoY	0.98% +16.3% YoY	Bottom 13.7% in tier
Loan-to-Deposit Ratio ?	88.88% -1.1% YoY -0.9% QoQ	+3.85%	85.04% -0.1% YoY	72.48% +3.6% YoY	79.03% +2.3% YoY	46%
Non-Interest-Bearing Deposit Share ?	20.50% -0.1% YoY -5.4% QoQ	-0.77%	21.27% -1.5% YoY	22.74% -2.6% YoY	21.98% -0.6% YoY	54%
Nonperforming Asset Ratio ?	1.43% +294.2% YoY +157.9% QoQ	+0.76%	0.67% +11.7% YoY	0.80% +11.3% YoY	0.69% +15.8% YoY	Bottom 11.6% in tier
Tier 1 Capital Ratio ?	11.89% +2.4% YoY -2.2% QoQ	-2.95%	14.84% -0.4% YoY	13.77% -2.2% YoY	17.09% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.56% +1.6% YoY +116.8% QoQ	+0.03%	0.53% +2.5% YoY	0.38% +2.4% YoY	0.66% +5.2% YoY	84%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Noninterest-Bearing	20.5% 0.0pp YoY -1.2pp QoQ	-0.9pp	21.4%	23.1%	22.2%	54%
Brokered Deposits	1.0% -0.1pp YoY 0.0pp QoQ	-8.5pp	9.5%	3.8%	8.5%	18%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
C&I	8.5% -0.2pp YoY +0.4pp QoQ	-5.5pp	14.0%	12.4%	12.5%	37%
CRE	58.2% +1.8pp YoY -0.7pp QoQ	+8.2pp	50.0%	42.3%	41.4%	72%
1-4 Family	27.5% -0.6pp YoY +0.6pp QoQ	+1.0pp	26.4%	33.1%	31.3%	60%
Consumer	2.5% -0.8pp YoY -0.3pp QoQ	-2.2pp	4.7%	5.6%	5.0%	70%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	16.5%	19.7%	n/a
Leverage Ratio	11.9% +0.3pp YoY -0.3pp QoQ	+0.6pp	11.3%	11.9%	12.6%	75%
Total Capital Ratio	n/a	n/a	16.7%	17.7%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Full-Time Employees	243 -2 (-0.8%) YoY 0 QoQ	-71	313	297	482	53%
Assets per Employee ($)	$4.9M +4.6% YoY -0.6% QoQ	-$5.6M	$10.5M	$6.2M	$8.8M	3%
Branch Count	18 0 YoY 0 QoQ	-2	20	22	18	60%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Past Due 90+ Days	0.9% +0.9pp YoY +0.9pp QoQ	+0.8pp	0.2%	0.3%	0.4%	96%
Nonaccrual	0.7% +0.3pp YoY +0.2pp QoQ	-0.2pp	0.8%	0.9%	1.0%	61%
Allowance Coverage	0.92x -72.5% YoY -70.1% QoQ	-17.79x	18.71x	4.87x	20.23x	20%
Net Charge-off Rate (YTD)	0.2% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.1%	0.2%	76%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
ROE	17.0% +0.8pp YoY +1.1pp QoQ	+4.4pp	12.6%	11.7%	11.6%	83%
Cost of Funds (YTD)	1.7% -0.2pp YoY 0.0pp QoQ	-0.2pp	1.9%	1.8%	1.7%	39%
Net Income ($, YTD)	$11.9M +15.2% YoY — QoQ	-$7.3M	$19.2M	$13.8M	$40.4M	47%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth

#87 of 222 • Top 38.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.56%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 2.03%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Profitability Leader

growth

#104 of 222 • Top 46.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.03%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Net Interest Margin

profitability

Value: 4.91%

Peer Median: 3.87%

#60 of 885 Top 6.7% in $1B-$10B

Return on Assets

profitability

Value: 2.03%

Peer Median: 1.39%

#95 of 885 Top 10.6% in $1B-$10B

144

Non-Interest Income / Assets

revenue_mix

Value: 0.56%

Peer Median: 0.53%

#144 of 885 Top 16.2% in $1B-$10B

Top Weaknesses (4 metrics)

783

Nonperforming Asset Ratio

credit_quality

Value: 1.43%

Peer Median: 0.67%

#783 of 885 Bottom 11.6% in $1B-$10B

762

Delinquency Rate

credit_quality

Value: 1.60%

Peer Median: 0.87%

#762 of 882 Bottom 13.7% in $1B-$10B

746

Total Assets

size

Value: $1.18B

Peer Median: $2.79B

#746 of 885 Bottom 15.8% in $1B-$10B

728

Total Deposits

size

Value: $1.03B

Peer Median: $2.32B

#728 of 885 Bottom 17.9% in $1B-$10B