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Priority Bank

$100M-$1B Specialty: Mortgage AR FDIC cert 33818

Designations: ✓ CDFI-certified

Fayetteville, AR

3 branches across AR

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in AR.
  • Deposits +19.7% year over year ($129.4M on the books).
  • Delinquency rate 3.41%.
  • Return on assets 1.67%.
  • Efficiency ratio 69.74% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.03% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 49 in AR
View $100M-$1B leaderboard (AR) →

Priority Bank has 3 strengths but faces 4 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 28.7% in tier
  • + ROA 0.35% above tier average
  • + Net Interest Margin 0.54% above tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 44.2% in tier
  • - Margin Compression: Bottom 45.9% in tier
  • - Delinquency Rate 2.49% above tier average
  • - Nonperforming Asset Ratio 2.06% above tier average
Get updates when Priority Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $153.4M
+9.6% YoY +1.9% QoQ
-$233.2M $386.6M
+1.2% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
15%
Total Loans ? $115.2M
+10.0% YoY +2.7% QoQ
-$143.1M $258.3M
+1.7% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
24%
Total Deposits ? $129.4M
+19.7% YoY +2.2% QoQ
-$197.3M $326.7M
+0.7% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
15%
Return on Assets ? 1.67%
-27.2% YoY -10.5% QoQ
+0.35% 1.32%
+10.8% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
74%
Net Interest Margin ? 4.52%
-1.6% YoY -1.0% QoQ
+0.54% 3.99%
+5.0% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
81%
Efficiency Ratio ? 69.74%
+8.0% YoY +4.6% QoQ
+5.26% 64.48%
-3.2% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
31%
Delinquency Rate ? 3.41%
+48.9% YoY +26.3% QoQ
+2.49% 0.92%
+15.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
Bottom 5.1% in tier
Loan-to-Deposit Ratio ? 89.03%
-8.1% YoY +0.5% QoQ
+11.08% 77.95%
+1.0% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
28%
Non-Interest-Bearing Deposit Share ? 14.16%
+3.1% YoY +2.2% QoQ
-7.87% 22.03%
-0.6% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
21%
Nonperforming Asset Ratio ? 2.73%
+4.7% YoY +27.0% QoQ
+2.06% 0.67%
+16.4% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
Bottom 4.1% in tier
Tier 1 Capital Ratio ? 10.52%
-9.6% YoY -2.7% QoQ
-5.39% 15.91%
+1.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
17%
Non-Interest Income / Assets ? 0.56%
-45.8% YoY +91.7% QoQ
+0.00% 0.57%
+7.6% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
Top 7.6% in tier

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 (AR) National Avg Tier Percentile
Noninterest-Bearing 14.2%
+0.4pp YoY
+0.3pp QoQ
 -8.0pp 22.1% 19.6% 22.2% 21%
Brokered Deposits 0.7%
-2.6pp YoY
-0.1pp QoQ
 -7.2pp 7.9% 7.2% 8.5% 14%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 4.2%
-0.9pp YoY
-0.3pp QoQ
 -7.4pp 11.6% 12.7% 12.5% 15%
CRE n/a n/a 39.5% 41.0% 41.4% n/a
1-4 Family 62.3%
-3.6pp YoY
-0.8pp QoQ
 +29.6pp 32.6% 28.1% 31.3% 91%
Consumer 1.1%
+0.1pp YoY
0.0pp QoQ
 -3.0pp 4.1% 4.5% 5.0% 31%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 10.5%
-1.1pp YoY
-0.3pp QoQ
 -1.7pp 12.2% 11.9% 12.6% 42%
Total Capital Ratio n/a n/a 19.9% 16.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 34
0 YoY
+1 (+3.0%) QoQ
 -25 58 315 482 33%
Assets per Employee ($) $4.5M
+9.6% YoY
-1.1% QoQ
 -$3.0M $7.5M $6.7M $8.8M 8%
Branch Count 3
0 YoY
0 QoQ
 -2 4 25 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 3.4%
+1.1pp YoY
+0.7pp QoQ
 +2.5pp 0.9% 1.1% 1.0% 95%
Allowance Coverage 0.37x
-27.9% YoY
-22.8% QoQ
 -23.78x 24.15x 4.69x 20.23x 5%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 13%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 15.8%
-5.2pp YoY
-1.9pp QoQ
 +3.7pp 12.2% 12.3% 11.6% 72%
Cost of Funds (YTD) 2.7%
-0.3pp YoY
0.0pp QoQ
 +1.0pp 1.7% 2.0% 1.7% 94%
Net Income ($, YTD) $1.3M
-18.0% YoY
— QoQ
 -$1.3M $2.6M $16.0M $40.4M 35%

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 (1)

Revenue Diversifier

growth
#191 of 661 • Top 28.7% 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: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.67%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Cost Spiral

risk
#62 of 138 • Bottom 44.2% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 69.74%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

Margin Compression

decline
#142 of 307 • Bottom 45.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.67%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

201
Non-Interest Income / Assets
revenue_mix
Value: 0.56%
Peer Median: 0.57%
#201 of 2643 Top 7.6% in $100M-$1B
516
Net Interest Margin
profitability
Value: 4.52%
Peer Median: 3.99%
#516 of 2643 Top 19.5% in $100M-$1B

Top Weaknesses (7 metrics)

2535
Nonperforming Asset Ratio
credit_quality
Value: 2.73%
Peer Median: 0.67%
#2535 of 2643 Bottom 4.1% in $100M-$1B
2501
Delinquency Rate
credit_quality
Value: 3.41%
Peer Median: 0.92%
#2501 of 2633 Bottom 5.1% in $100M-$1B
2246
Total Assets
size
Value: $153.40M
Peer Median: $386.57M
#2246 of 2643 Bottom 15.1% in $100M-$1B
2237
Total Deposits
size
Value: $129.40M
Peer Median: $326.73M
#2237 of 2643 Bottom 15.4% in $100M-$1B
2196
Tier 1 Capital Ratio
capital
Value: 10.52%
Peer Median: 15.91%
#2196 of 2643 Bottom 17.0% in $100M-$1B
2085
Non-Interest-Bearing Deposit Share
funding
Value: 14.16%
Peer Median: 22.03%
#2085 of 2643 Bottom 21.2% in $100M-$1B
2011
Total Loans
size
Value: $115.21M
Peer Median: $258.35M
#2011 of 2643 Bottom 24.0% in $100M-$1B
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