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First Pryority Bank

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

Pryor, OK

3 branches across OK

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 106 in OK.
  • Deposits +8.1% year over year ($483.4M on the books).
  • Delinquency rate 1.71%.
  • Return on assets 1.33%.
  • Efficiency ratio 63.04% vs a 64.48% peer average.
  • Loan-to-deposit ratio 95.22% 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 106 in OK
View $100M-$1B leaderboard (OK) →

First Pryority 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 41.1% in tier
  • + Net Interest Margin 0.56% above tier average
  • + Efficiency Ratio 1.44% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 17.9% in tier
  • - Delinquency Rate 0.79% above tier average
Get updates when First Pryority Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $558.1M
+11.9% YoY +3.3% QoQ
+$171.5M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
77%
Total Loans ? $460.3M
+15.3% YoY +4.1% QoQ
+$202.0M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
Top 14.8% in tier
Total Deposits ? $483.4M
+8.1% YoY -0.2% QoQ
+$156.7M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
78%
Return on Assets ? 1.33%
-6.6% YoY +10.0% QoQ
+0.00% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
55%
Net Interest Margin ? 4.54%
+2.1% YoY -1.2% QoQ
+0.56% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
81%
Efficiency Ratio ? 63.04%
-1.0% YoY -6.5% QoQ
-1.44% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
48%
Delinquency Rate ? 1.71%
-45.0% YoY -23.2% QoQ
+0.79% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
16%
Loan-to-Deposit Ratio ? 95.22%
+6.6% YoY +4.4% QoQ
+17.27% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
16%
Non-Interest-Bearing Deposit Share ? 14.34%
-35.1% YoY -35.1% QoQ
-7.69% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
22%
Nonperforming Asset Ratio ? 1.51%
-41.7% YoY -19.4% QoQ
+0.84% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
Bottom 12.1% in tier
Tier 1 Capital Ratio ? 10.55%
-8.1% YoY -10.7% QoQ
-5.36% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
17%
Non-Interest Income / Assets ? 0.56%
+73.8% YoY +175.3% QoQ
-0.01% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
Top 7.8% 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 (OK) National Avg Tier Percentile
Noninterest-Bearing 14.3%
-7.8pp YoY
-7.8pp QoQ
 -7.8pp 22.1% 23.9% 22.2% 21%
Brokered Deposits n/a n/a 7.9% 9.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 25.8%
+1.1pp YoY
-0.9pp QoQ
 +14.2pp 11.6% 15.7% 12.5% 94%
CRE 43.3%
+1.2pp YoY
+0.6pp QoQ
 +3.8pp 39.5% 42.0% 41.4% 59%
1-4 Family 19.2%
-2.3pp YoY
-0.5pp QoQ
 -13.4pp 32.6% 24.0% 31.3% 28%
Consumer 4.7%
-0.5pp YoY
0.0pp QoQ
 +0.6pp 4.1% 5.6% 5.0% 75%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.0% 19.7% n/a
Leverage Ratio 10.5%
+0.3pp YoY
+0.2pp QoQ
 -1.6pp 12.2% 11.7% 12.6% 42%
Total Capital Ratio n/a n/a 19.9% 18.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 93
+19 (+25.7%) YoY
+4 (+4.5%) QoQ
 +34 58 150 482 84%
Assets per Employee ($) $6.0M
-10.9% YoY
-1.1% QoQ
 -$1.5M $7.5M $6.5M $8.8M 34%
Branch Count 3
+1 (+50.0%) YoY
0 QoQ
 -2 4 8 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.4pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.9% 0.4% 53%
Nonaccrual 1.6%
-1.0pp YoY
-0.6pp QoQ
 +0.7pp 0.9% 1.5% 1.0% 83%
Allowance Coverage 0.76x
+54.8% YoY
+27.0% QoQ
 -23.39x 24.15x 61.99x 20.23x 19%
Net Charge-off Rate (YTD) 0.4%
+0.2pp YoY
+0.3pp QoQ
 +0.2pp 0.1% 0.2% 0.2% 91%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 13.2%
-1.0pp YoY
+1.2pp QoQ
 +1.0pp 12.2% 11.9% 11.6% 57%
Cost of Funds (YTD) 2.8%
-0.3pp YoY
0.0pp QoQ
 +1.1pp 1.7% 1.8% 1.7% 96%
Net Income ($, YTD) $3.6M
+5.4% YoY
— QoQ
 +$1.0M $2.6M $8.7M $40.4M 76%

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
#273 of 661 • Top 41.1% 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: 1.33%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

NIB Deposit Bleed

decline
#30 of 162 • Bottom 17.9% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 14.34%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

206
Non-Interest Income / Assets
revenue_mix
Value: 0.56%
Peer Median: 0.57%
#206 of 2643 Top 7.8% in $100M-$1B
392
Total Loans
size
Value: $460.33M
Peer Median: $258.35M
#392 of 2643 Top 14.8% in $100M-$1B
497
Net Interest Margin
profitability
Value: 4.54%
Peer Median: 3.99%
#497 of 2643 Top 18.8% in $100M-$1B
579
Total Deposits
size
Value: $483.44M
Peer Median: $326.73M
#579 of 2643 Top 21.9% in $100M-$1B
605
Total Assets
size
Value: $558.09M
Peer Median: $386.57M
#605 of 2643 Top 22.9% in $100M-$1B

Top Weaknesses (5 metrics)

2325
Nonperforming Asset Ratio
credit_quality
Value: 1.51%
Peer Median: 0.67%
#2325 of 2643 Bottom 12.1% in $100M-$1B
2224
Loan-to-Deposit Ratio
liquidity
Value: 95.22%
Peer Median: 77.95%
#2224 of 2643 Bottom 15.9% in $100M-$1B
2210
Delinquency Rate
credit_quality
Value: 1.71%
Peer Median: 0.92%
#2210 of 2633 Bottom 16.1% in $100M-$1B
2183
Tier 1 Capital Ratio
capital
Value: 10.55%
Peer Median: 15.91%
#2183 of 2643 Bottom 17.4% in $100M-$1B
2070
Non-Interest-Bearing Deposit Share
funding
Value: 14.34%
Peer Median: 22.03%
#2070 of 2643 Bottom 21.7% in $100M-$1B
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