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

7.33%Q2 ’247.54%Q2 ’256.94%Q2 ’26+5%-8%

Non-interest income vs. expense

4.48%Q2 ’244.45%Q2 ’253.95%Q2 ’26-25%+28%

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 1.16%, down 69 bps year over year; NIM at 4.32%.
  • 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 (quarter, annualized)

1.16%-69 bps YoY

Net Interest Margin (quarter, annualized)

4.32%-40 bps YoY

Efficiency Ratio (quarter, annualized)

72.84%+870 bps YoY

Tier 1 Leverage Ratio

10.52%-111 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.85%1.88%1.46%1.47%1.16%-69 bps
Return on Equity16.81%17.85%14.20%13.92%10.97%-584 bps
Net Interest Margin4.72%4.91%4.69%4.48%4.32%-40 bps
Efficiency Ratio64.13%56.89%59.57%66.68%72.84%+870 bps
Non-Interest Burden2.22%1.99%2.32%2.59%2.84%+62 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-0.06%0.05%0.15%-0.02%-0.01%+5 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