BlastPoint's Banking Scorecard
PriorityOne Bank
Designations: ✓ Community bank ✓ CDFI-certified
Magee, MS
18 branches across MS
PriorityOne Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 39.4% in tier
- + Revenue Diversifier: Top 49.3% in tier
- + Net Interest Margin 1.05% above tier average
- + Delinquency Rate 0.42% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 11.7% in tier
- - Credit Quality Pressure: Bottom 21.0% in tier
- - Efficiency Ratio 0.67% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+3.4% YoY
+4.0% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
16% |
| Total Loans ? |
$912.1M
+4.3% YoY
+2.1% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
26% |
| Total Deposits ? |
$1.0B
+1.0% YoY
+11.2% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
16% |
| Return on Assets ? |
1.91%
+23.4% YoY
+5.7% QoQ
|
+0.54% |
1.37%
+19.6% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
Top 13.2% in tier |
| Net Interest Margin ? |
4.86%
+9.3% YoY
+3.1% QoQ
|
+1.05% |
3.82%
+6.9% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
Top 6.8% in tier |
| Efficiency Ratio ? |
61.73%
-7.3% YoY
-0.6% QoQ
|
+0.67% |
61.06%
-4.6% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
43% |
| Delinquency Rate ? |
0.47%
+6.5% YoY
-10.0% QoQ
|
-0.42% |
0.89%
+14.1% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
89.73%
+3.2% YoY
-8.2% QoQ
|
+5.53% |
84.20%
+0.3% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
21.68%
+5.4% YoY
-2.7% QoQ
|
+0.39% |
21.29%
-2.5% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.55%
+43.7% YoY
+11.9% QoQ
|
-0.12% |
0.67%
+15.6% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
40% |
| Tier 1 Capital Ratio ? |
12.16%
+6.1% YoY
-0.3% QoQ
|
-3.00% |
15.16%
+2.0% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.26%
+0.6% YoY
-77.5% QoQ
|
+0.00% |
0.26%
+1.6% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
81% |
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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 (2)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.