Fayetteville, AR · Cert 33818 · Priority One Holding Co.
State savings bank · OCC · 3 branches
Q2 2026
Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 0.5% share · #25 of 42 inst. · $0.1B of $20.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.46% | 1.40% | 1.77% | 1.85% | 1.88% | 1.46% | 1.47% | 1.16% | -69 bps | |
| Return on Equity | 12.42% | 12.69% | 16.33% | 16.81% | 17.85% | 14.20% | 13.92% | 10.97% | -584 bps | |
| Net Interest Margin | 4.51% | 4.46% | 4.20% | 4.72% | 4.91% | 4.69% | 4.48% | 4.32% | -40 bps | |
| Efficiency Ratio | 71.87% | 71.63% | 65.08% | 64.13% | 56.89% | 59.57% | 66.68% | 72.84% | +870 bps | |
| Non-Interest Burden | 2.67% | 2.70% | 1.97% | 2.22% | 1.99% | 2.32% | 2.59% | 2.84% | +62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.55% | 14.57% | 14.49% | 23.92% | 27.30% | 14.99% | 13.72% | 9.64% | -1,428 bps | |
| Loan Growth (YoY) | 18.04% | 18.43% | 18.25% | 27.92% | 21.98% | 12.08% | 12.75% | 10.12% | -1,780 bps | |
| Deposit Growth (YoY) | 31.99% | 20.31% | 21.69% | 25.16% | 36.98% | 18.40% | 17.50% | 19.70% | -545 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.36% | 2.13% | 2.81% | 2.26% | 2.43% | 2.66% | 2.67% | 3.37% | +110 bps | |
| Net Charge-Offs / Loans | -0.05% | 0.09% | 0.01% | -0.06% | 0.05% | 0.15% | -0.02% | -0.01% | +5 bps | |
| Allowance / Loans | 1.57% | 1.46% | 1.23% | 1.16% | 1.20% | 1.32% | 1.28% | 1.24% | +8 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.4x | 0.5x | 0.5x | 0.5x | 0.5x | 0.4x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.93% | 10.96% | 11.04% | 11.63% | 10.93% | 10.04% | 10.81% | 10.52% | -111 bps | |
| Total Risk-Based Capital | 11.93% | 10.96% | 11.04% | 11.63% | 10.93% | 10.04% | 10.81% | 10.52% | -111 bps | |
| Equity / Assets | 11.34% | 10.69% | 10.99% | 11.02% | 10.09% | 10.46% | 10.64% | 10.54% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.83% | 92.88% | 93.50% | 98.00% | 85.34% | 87.93% | 89.73% | 90.15% | -785 bps | |
| Liquid Assets / Assets | 11.01% | 7.42% | 6.18% | 4.44% | 10.42% | 7.58% | 5.39% | 4.28% | -16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 211% | 198.96% | 196.05% | n/a | n/a | |