Magee, MS · Cert 21906 · Priorityone Capital Corp.
State charter, Fed member · FED · 17 branches
Q2 2026
Market Position · Jackson, MS · 2026 SOD (annual) · 3.2% share · #7 of 30 inst. · $0.8B of $23.5B
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 | 1.13% | 1.14% | 1.22% | 1.43% | 1.43% | 1.42% | 1.50% | 1.60% | +17 bps | |
| Return on Equity | 11.03% | 10.91% | 10.98% | 12.75% | 12.63% | 12.36% | 12.51% | 13.36% | +61 bps | |
| Net Interest Margin | 3.74% | 3.84% | 4.13% | 4.30% | 4.42% | 4.39% | 4.54% | 4.51% | +21 bps | |
| Efficiency Ratio | 67.12% | 66.15% | 66.57% | 62.93% | 63.46% | 62.14% | 61.73% | 60.30% | -263 bps | |
| Non-Interest Burden | 2.14% | 2.14% | 2.41% | 2.30% | 2.38% | 2.29% | 2.40% | 2.28% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.43% | 5.16% | 1.53% | 0.37% | -0.83% | 0.95% | 3.44% | 3.76% | +339 bps | |
| Loan Growth (YoY) | 9.28% | 6.07% | 4.23% | 0.24% | -0.98% | 0.96% | 4.19% | 5.22% | +498 bps | |
| Deposit Growth (YoY) | 6.85% | 3.85% | 3.93% | 0.57% | -1.23% | -3.27% | 1.04% | 6.41% | +583 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.44% | 0.53% | 0.43% | 0.46% | 0.56% | 0.51% | 0.46% | 1.58% | +113 bps | |
| Net Charge-Offs / Loans | 0.19% | 0.16% | 0.02% | 0.11% | 0.20% | 0.30% | 0.19% | 0.17% | +6 bps | |
| Allowance / Loans | 1.36% | 1.43% | 1.50% | 1.52% | 1.42% | 1.43% | 1.43% | 1.45% | -7 bps | |
| Allowance Coverage of NPLs | 3.1x | 2.7x | 3.5x | 3.3x | 2.5x | 2.8x | 3.1x | 0.9x | -2.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.78% | 11.08% | 11.46% | 11.61% | 11.92% | 12.20% | 12.16% | 11.89% | +28 bps | |
| Total Risk-Based Capital | 10.78% | 11.08% | 11.46% | 11.61% | 11.92% | 12.20% | 12.16% | 11.89% | +28 bps | |
| Equity / Assets | 10.64% | 10.92% | 11.22% | 11.40% | 11.87% | 12.13% | 11.82% | 11.88% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.83% | 94.99% | 88.29% | 91.22% | 94.07% | 99.15% | 91.03% | 90.20% | -102 bps | |
| Liquid Assets / Assets | 9.27% | 8.96% | 8.58% | 8.12% | 7.96% | 7.53% | 7.09% | 6.94% | -118 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 364% | 368% | 381% | n/a | n/a | |