BlastPoint's Banking Scorecard

First Pryority Bank

$100M-$1B Specialty: Commercial OK FDIC cert 4185

Pryor, OK

3 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

First Pryority Bank has 1 strength 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

+ Net Interest Margin 0.67% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 24.3% in tier
- Cost Spiral: Bottom 39.7% in tier
- Nonperforming Asset Ratio 1.24% above tier average
- Delinquency Rate 1.34% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$540.1M +12.7% YoY +3.0% QoQ	+$154.0M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	76%
Total Loans ?	$442.0M +15.9% YoY +6.1% QoQ	+$186.3M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$484.6M +12.9% YoY +3.4% QoQ	+$156.6M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	78%
Return on Assets ?	1.21% -30.7% YoY -7.3% QoQ	-0.06%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	50%
Net Interest Margin ?	4.60% +4.4% YoY +4.7% QoQ	+0.67%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	85%
Efficiency Ratio ?	67.44% +9.6% YoY +4.2% QoQ	+2.16%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	38%
Delinquency Rate ?	2.22% +36.1% YoY -10.3% QoQ	+1.34%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	Bottom 10.4% in tier
Loan-to-Deposit Ratio ?	91.22% +2.6% YoY +2.6% QoQ	+14.58%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	22%
Non-Interest-Bearing Deposit Share ?	22.11% +9.0% YoY +2.0% QoQ	+0.09%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	55%
Nonperforming Asset Ratio ?	1.87% +44.1% YoY -9.5% QoQ	+1.24%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Bottom 7.7% in tier
Tier 1 Capital Ratio ?	11.81% -2.5% YoY +0.8% QoQ	-4.02%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.20% +15.3% YoY -71.5% QoQ	-0.08%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	Top 13.4% in tier

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline

#75 of 305 • Bottom 24.3% 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: 1.21%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Cost Spiral

risk

#51 of 126 • Bottom 39.7% 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: 67.44%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

358

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#358 of 2664 Top 13.4% in $100M-$1B

410

Net Interest Margin

profitability

Value: 4.60%

Peer Median: 3.93%

#410 of 2664 Top 15.4% in $100M-$1B

434

Total Loans

size

Value: $442.01M

Peer Median: $255.72M

#434 of 2664 Top 16.3% in $100M-$1B

587

Total Deposits

size

Value: $484.55M

Peer Median: $327.97M

#587 of 2664 Top 22.0% in $100M-$1B

646

Total Assets

size

Value: $540.11M

Peer Median: $386.08M

#646 of 2664 Top 24.2% in $100M-$1B

Top Weaknesses (3 metrics)

2460

Nonperforming Asset Ratio

credit_quality

Value: 1.87%

Peer Median: 0.64%

#2460 of 2664 Bottom 7.7% in $100M-$1B

2378

Delinquency Rate

credit_quality

Value: 2.22%

Peer Median: 0.89%

#2378 of 2654 Bottom 10.4% in $100M-$1B

2075

Loan-to-Deposit Ratio

liquidity

Value: 91.22%

Peer Median: 76.64%

#2075 of 2664 Bottom 22.1% in $100M-$1B