BlastPoint's Banking Scorecard

Prism Bank

$100M-$1B Specialty: Commercial OK FDIC cert 5994

Guthrie, OK

2 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 +39.6% year over year ($639.6M on the books).
Delinquency rate 0.50%.
Return on assets 0.91%.
Efficiency ratio 59.98% vs a 64.48% peer average.
Loan-to-deposit ratio 95.29% 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) →

Prism Bank has 2 strengths but faces 3 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

+ Efficiency Ratio 4.50% below tier average
+ Delinquency Rate 0.42% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 40.1% in tier
- ROA 0.42% below tier average
- Net Interest Margin 0.55% below tier average

Get updates when Prism 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 ?	$720.9M +39.0% YoY +12.5% QoQ	+$334.3M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	Top 11.7% in tier
Total Loans ?	$609.5M +37.0% YoY +9.8% QoQ	+$351.1M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	Top 5.7% in tier
Total Deposits ?	$639.6M +39.6% YoY +15.6% QoQ	+$312.9M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	Top 10.1% in tier
Return on Assets ?	0.91% +17.1% YoY +6.9% QoQ	-0.42%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	29%
Net Interest Margin ?	3.43% -6.0% YoY -0.9% QoQ	-0.55%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	25%
Efficiency Ratio ?	59.98% -3.6% YoY +3.6% QoQ	-4.50%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	57%
Delinquency Rate ?	0.50% -29.6% YoY -22.2% QoQ	-0.42%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	46%
Loan-to-Deposit Ratio ?	95.29% -1.9% YoY -5.0% QoQ	+17.34%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	16%
Non-Interest-Bearing Deposit Share ?	9.34% -21.0% YoY +13.6% QoQ	-12.69%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	Bottom 9.3% in tier
Nonperforming Asset Ratio ?	0.42% -30.6% YoY -24.1% QoQ	-0.25%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	43%
Tier 1 Capital Ratio ?	11.19% -3.5% YoY -2.3% QoQ	-4.71%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	26%
Non-Interest Income / Assets ?	0.07% -64.1% YoY +16.6% QoQ	-0.49%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	Bottom 10.7% 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	9.3% -2.5pp YoY +1.1pp QoQ	-12.8pp	22.1%	23.9%	22.2%	9%
Brokered Deposits	19.2% -2.5pp YoY -2.5pp QoQ	+11.3pp	7.9%	9.7%	8.5%	89%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	40.7% +7.5pp YoY +4.4pp QoQ	+29.1pp	11.6%	15.7%	12.5%	98%
CRE	41.5% -1.0pp YoY -1.8pp QoQ	+1.9pp	39.5%	42.0%	41.4%	56%
1-4 Family	18.4% -5.8pp YoY -2.5pp QoQ	-14.2pp	32.6%	24.0%	31.3%	27%
Consumer	0.2% -0.2pp YoY 0.0pp QoQ	-3.9pp	4.1%	5.6%	5.0%	8%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	11.2% -0.4pp YoY -0.3pp QoQ	-7.6pp	18.8%	17.0%	19.7%	10%
Leverage Ratio	10.1% -0.4pp YoY -0.2pp QoQ	-2.1pp	12.2%	11.7%	12.6%	33%
Total Capital Ratio	12.4% -0.4pp YoY -0.3pp QoQ	-7.5pp	19.9%	18.2%	20.8%	11%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	62 -2 (-3.1%) YoY -1 (-1.6%) QoQ	+3	58	150	482	65%
Assets per Employee ($)	$11.6M +43.5% YoY +14.3% QoQ	+$4.1M	$7.5M	$6.5M	$8.8M	92%
Branch Count	2 -2 (-50.0%) YoY 0 QoQ	-3	4	8	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp YoY	-0.3pp	0.3%	0.9%	0.4%	13%
Nonaccrual	0.5% -0.1pp YoY -0.1pp QoQ	-0.4pp	0.9%	1.5%	1.0%	52%
Allowance Coverage	2.29x +34.3% YoY +22.0% QoQ	-21.86x	24.15x	61.99x	20.23x	51%
Net Charge-off Rate (YTD)	-0.0% -0.3pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.2%	0.2%	10%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	9.5% +2.1pp YoY +0.7pp QoQ	-2.7pp	12.2%	11.9%	11.6%	34%
Cost of Funds (YTD)	2.9% -0.3pp YoY 0.0pp QoQ	+1.2pp	1.7%	1.8%	1.7%	97%
Net Income ($, YTD)	$3.0M +62.4% YoY — QoQ	+$480K	$2.6M	$8.7M	$40.4M	70%

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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 (1)

NIB Deposit Bleed

decline

#66 of 162 • Bottom 40.1% 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: 9.34%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

151

Total Loans

size

Value: $609.46M

Peer Median: $258.35M

#151 of 2643 Top 5.7% in $100M-$1B

268

Total Deposits

size

Value: $639.59M

Peer Median: $326.73M

#268 of 2643 Top 10.1% in $100M-$1B

309

Total Assets

size

Value: $720.90M

Peer Median: $386.57M

#309 of 2643 Top 11.7% in $100M-$1B

Top Weaknesses (4 metrics)

2397

Non-Interest-Bearing Deposit Share

funding

Value: 9.34%

Peer Median: 22.03%

#2397 of 2643 Bottom 9.3% in $100M-$1B

2362

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.57%

#2362 of 2643 Bottom 10.7% in $100M-$1B

2225

Loan-to-Deposit Ratio

liquidity

Value: 95.29%

Peer Median: 77.95%

#2225 of 2643 Bottom 15.9% in $100M-$1B

1994

Net Interest Margin

profitability

Value: 3.43%

Peer Median: 3.99%

#1994 of 2643 Bottom 24.6% in $100M-$1B