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 | |