PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Priority Bank

Fayetteville, AR · Cert 33818 · Priority One Holding Co.

State savings bank · OCC · 3 branches

Q2 2026

$153.4MAssets
$116.7MLoans
$129.4MDeposits
$16.2MEquity
Loan mix
94%RE $106.3M4%C&I $5.0M1%Consumer $1.2MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $111.1M14%Noninterest $18.3MQ2 2025Q2 2026

NIM

7.20%Q2 ’247.38%Q2 ’256.91%Q2 ’26+1%-3%

Non-interest income vs. expense

4.79%Q2 ’244.29%Q2 ’253.81%Q2 ’26-6%+27%

Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 0.5% share · #25 of 42 inst. · $0.1B of $20.2B

1.1% Washington
7.8% Franklin

Executive Summary

  • Earnings: ROA of 1.31%, down 49 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 3.37% of loans (+110 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.52%, down 111 bps from a year ago.
  • Funding: loans stand at 90.15% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.31%-49 bps YoY

Net Interest Margin (YTD, annualized)

4.33%-13 bps YoY

Efficiency Ratio (YTD, annualized)

69.74%+515 bps YoY

Tier 1 Leverage Ratio

10.52%-111 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.81%1.82%1.75%1.47%1.31%-49 bps
Return on Equity16.56%17.06%16.43%13.92%12.44%-411 bps
Net Interest Margin4.46%4.42%4.26%4.48%4.33%-13 bps
Efficiency Ratio64.59%61.88%61.31%66.68%69.74%+515 bps
Non-Interest Burden2.10%1.97%1.96%2.59%2.67%+58 bps
Growth
Asset Growth (YoY)23.92%27.30%14.99%13.72%9.64%-1,428 bps
Loan Growth (YoY)27.92%21.98%12.08%12.75%10.12%-1,780 bps
Deposit Growth (YoY)25.16%36.98%18.40%17.50%19.70%-545 bps
Asset Quality
Nonperforming Loans / Loans2.26%2.43%2.66%2.67%3.37%+110 bps
Net Charge-Offs / Loans-0.02%0.00%0.04%-0.02%-0.01%+1 bps
Allowance / Loans1.16%1.20%1.32%1.28%1.24%+8 bps
Allowance Coverage of NPLs0.5x0.5x0.5x0.5x0.4x-0.1x
Capital
Tier 1 Leverage Ratio11.63%10.93%10.04%10.81%10.52%-111 bps
Total Risk-Based Capital11.63%10.93%10.04%10.81%10.52%-111 bps
Equity / Assets11.02%10.09%10.46%10.64%10.54%-48 bps
Liquidity & Funding
Loans / Deposits98.00%85.34%87.93%89.73%90.15%-785 bps
Liquid Assets / Assets4.44%10.42%7.58%5.39%4.28%-16 bps
CRE / Total Capitaln/a211%198.96%196.05%n/an/a