BlastPoint's Banking Scorecard
Prism Bank
Guthrie, OK
2 branches across OK
Prism Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.38% below tier average
- + Delinquency Rate 0.25% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 10.1% in tier
- - Credit Quality Pressure: Bottom 38.9% in tier
- - Loan-to-Deposit Ratio 23.64% above tier average
- - ROA 0.42% below tier average
- - Net Interest Margin 0.47% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$640.7M
+36.7% YoY
-0.7% QoQ
|
+$254.6M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
84% |
| Total Loans ? |
$555.0M
+38.9% YoY
+1.8% QoQ
|
+$299.2M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
Top 7.8% in tier |
| Total Deposits ? |
$553.4M
+36.5% YoY
-3.8% QoQ
|
+$225.4M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
84% |
| Return on Assets ? |
0.85%
+21.1% YoY
-13.6% QoQ
|
-0.42% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
29% |
| Net Interest Margin ? |
3.47%
-0.1% YoY
-10.1% QoQ
|
-0.47% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
29% |
| Efficiency Ratio ? |
57.91%
-12.3% YoY
+3.6% QoQ
|
-7.38% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
66% |
| Delinquency Rate ? |
0.64%
+39.9% YoY
+1.2% QoQ
|
-0.25% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
100.28%
+1.7% YoY
+5.8% QoQ
|
+23.64% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 8.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.22%
-30.4% YoY
-45.4% QoQ
|
-13.80% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 7.5% in tier |
| Nonperforming Asset Ratio ? |
0.56%
+42.1% YoY
+3.7% QoQ
|
-0.08% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
35% |
| Tier 1 Capital Ratio ? |
11.46%
-9.5% YoY
+5.8% QoQ
|
-4.37% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.06%
-45.6% YoY
-80.1% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
27% |
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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 (0)
Concerns (2)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
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.