Salina, OK · Cert 21255 · First Pryor Bcorp Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
17
Profitability
90
Liquidity
25
Efficiency
76
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Salina, OK · Cert 21255 · First Pryor Bcorp Inc.
State charter, Fed member · FED · 1 affiliate bank · 1 branch (4 in holding)
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.73% | 1.69% | 2.41% | 2.23% | 2.12% | 2.17% | 1.80% | 1.97% | -25 bps | |
| Return on Equity | 14.50% | 14.31% | 20.34% | 18.83% | 17.88% | 18.62% | 16.69% | 17.83% | -99 bps | |
| Net Interest Margin | 5.42% | 5.69% | 5.89% | 5.85% | 5.77% | 5.75% | 5.55% | 5.67% | -18 bps | |
| Efficiency Ratio | 57.56% | 57.41% | 50.18% | 49.43% | 50.96% | 51.34% | 55.88% | 54.65% | +522 bps | |
| Non-Interest Burden | 2.83% | 2.96% | 2.61% | 2.56% | 2.63% | 2.65% | 2.86% | 2.82% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.19% | -3.91% | -6.84% | 0.41% | 7.63% | 7.30% | 15.85% | 3.18% | +277 bps | |
| Loan Growth (YoY) | -7.20% | -4.81% | -1.72% | 5.17% | 7.91% | 10.25% | 7.30% | 7.80% | +263 bps | |
| Deposit Growth (YoY) | -5.21% | -4.49% | -8.19% | -0.08% | 8.35% | 8.54% | 18.56% | 3.87% | +395 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.91% | 2.36% | 2.66% | 3.88% | 3.98% | 4.56% | 3.97% | 3.32% | -56 bps | |
| Net Charge-Offs / Loans | 1.15% | 1.61% | 0.02% | 0.03% | 0.01% | 0.01% | 0.36% | 0.17% | +15 bps | |
| Allowance / Loans | 2.55% | 2.10% | 2.51% | 2.59% | 2.74% | 2.76% | 2.83% | 2.79% | +21 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.9x | 0.9x | 0.7x | 0.7x | 0.6x | 0.7x | 0.8x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.37% | 11.28% | 11.91% | 12.09% | 12.20% | 10.75% | 10.77% | 11.24% | -84 bps | |
| Total Risk-Based Capital | 12.37% | 11.28% | 11.91% | 12.09% | 12.20% | 10.75% | 10.77% | 11.24% | -84 bps | |
| Equity / Assets | 12.89% | 11.46% | 12.27% | 11.74% | 12.00% | 10.90% | 10.71% | 11.56% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.90% | 83.39% | 87.75% | 83.51% | 83.56% | 84.70% | 79.42% | 86.67% | +316 bps | |
| Liquid Assets / Assets | 16.28% | 16.32% | 16.15% | 16.05% | 18.92% | 18.98% | 17.99% | 17.41% | +136 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 84.52% | 83.84% | 85.21% | n/a | n/a | |
Salina, OK · Cert 21255 · Peer group: banks under $1B in assets in OK (n=88-89) · First Pryor Bcorp Inc.
State charter, Fed member · FED · 1 affiliate bank · 1 branch (4 in holding)
Q2 2026
Return on Assets
1.97%
Rank 9 of 89
Net Interest Margin
5.67%
Rank 4 of 89
Efficiency Ratio
54.65%
Rank 22 of 89
Equity / Assets
11.56%
Rank 39 of 89
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.97% | 0.85% | 1.26% | 1.60% | Beats 90% | 9 / 89 | ||
| Return on Equity | 17.05% | 7.40% | 11.89% | 14.65% | Beats 85% | 13 / 89 | ||
| Net Interest Margin | 5.67% | 3.46% | 3.93% | 4.45% | Beats 96% | 4 / 89 | ||
| Efficiency Ratio | 54.65% | 54.70% | 60.95% | 71.14% | Beats 76% | 22 / 89 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.32% | 0.30% | 0.82% | 2.25% | Beats 15% | 76 / 88 | ||
| Net Charge-Offs / Loans | 0.32% | 0.00% | 0.03% | 0.20% | Beats 19% | 72 / 88 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.24% | 10.89% | 13.00% | 16.33% | Beats 28% | 64 / 89 | ||
| Total Risk-Based Capital Ratio | 11.24% | 11.20% | 13.06% | 16.33% | Beats 27% | 65 / 89 | ||
| Equity / Assets | 11.56% | 9.26% | 10.94% | 13.52% | Beats 56% | 39 / 89 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.67% | 61.51% | 72.27% | 84.01% | 81st pctl | 17 / 88 | ||
| Loans / Assets | 75.95% | 52.51% | 63.15% | 71.27% | 87th pctl | 12 / 89 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||