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First Pryority Bank

Pryor, OK · Cert 4185 · First Pryor Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Tulsa, OK area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Tulsa, OK area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

26

Q2 2024Q2 2026peer median (50)

Asset Quality

14

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

11

Q2 2024Q2 2026peer median

Efficiency

44

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Pryority Bank

Pryor, OK · Cert 4185 · First Pryor Bcorp Inc.

State charter, Fed member · FED · 1 affiliate bank · 3 branches (4 in holding)

Q2 2026

$558.1MAssets
$466.3MLoans
$483.4MDeposits
$56.3MEquity
Loan mix
67%RE $281.9M28%C&I $117.7M5%Consumer $20.8MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $414.1M14%Noninterest $69.3MQ2 2025Q2 2026

NIM

7.15%Q2 ’246.97%Q2 ’256.98%Q2 ’26+0%+5%

Non-interest income vs. expense

2.75%Q2 ’243.05%Q2 ’253.45%Q2 ’26+8%-4%

Market Position · Tulsa, OK · 2026 SOD (annual) · 0.9% share · #24 of 59 inst. · $0.4B of $39.3B

1.1% Tulsa
12.6% Mayes

Executive Summary

  • Earnings: ROA of 1.33%, down 9 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 1.69% of loans (-137 bps YoY), with net charge-offs at 0.34%.
  • Capital: tier 1 leverage ratio of 10.55%, up 29 bps from a year ago.
  • Funding: loans stand at 96.46% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.33%-9 bps YoY

Net Interest Margin (YTD, annualized)

4.31%+19 bps YoY

Efficiency Ratio (YTD, annualized)

63.04%-65 bps YoY

Tier 1 Leverage Ratio

10.55%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.39%1.30%1.21%1.33%-9 bps
Return on Equity14.13%13.91%12.97%11.98%13.17%-97 bps
Net Interest Margin4.12%4.04%3.92%4.36%4.31%+19 bps
Efficiency Ratio63.69%62.80%64.70%67.44%63.04%-65 bps
Non-Interest Burden2.38%2.28%2.28%2.67%2.28%-10 bps
Growth
Asset Growth (YoY)10.77%14.39%14.27%12.66%11.94%+117 bps
Loan Growth (YoY)14.09%15.60%13.80%15.67%15.04%+95 bps
Deposit Growth (YoY)10.50%14.45%14.10%12.93%8.12%-238 bps
Asset Quality
Nonperforming Loans / Loans3.06%2.70%2.45%2.19%1.69%-137 bps
Net Charge-Offs / Loans0.19%0.11%0.36%0.08%0.34%+15 bps
Allowance / Loans1.51%1.58%1.34%1.32%1.29%-22 bps
Allowance Coverage of NPLs0.5x0.6x0.5x0.6x0.8x+0.3x
Capital
Tier 1 Leverage Ratio10.25%10.25%10.12%10.33%10.55%+29 bps
Total Risk-Based Capital12.73%13.26%12.96%13.06%10.55%-219 bps
Equity / Assets9.97%9.90%10.06%10.07%10.09%+12 bps
Liquidity & Funding
Loans / Deposits90.66%88.89%90.14%92.44%96.46%+580 bps
Liquid Assets / Assets8.50%7.28%7.15%7.19%0.53%-796 bps
CRE / Total Capitaln/a322%317%347%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Pryority Bank

Pryor, OK · Cert 4185 · Peer group: banks under $1B in assets in the Tulsa, OK area (n=18) · First Pryor Bcorp Inc.

State charter, Fed member · FED · 1 affiliate bank · 3 branches (4 in holding)

Q2 2026

$558.1MAssets
$466.3MLoans
$483.4MDeposits
$56.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 50% of banks under $1B in assets in the Tulsa, OK area (rank 9 of 18).
  • Widest gap: net charge-offs / loans trails 89% of banks under $1B in assets in the Tulsa, OK area (rank 17 of 18).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.29%

Rank 11 of 18

Net Interest Margin

4.31%

Rank 9 of 18

Efficiency Ratio

63.04%

Rank 11 of 18

Equity / Assets

10.09%

Rank 10 of 18

Non-interest income vs. expense

$6.3M$18.4MINCOMEEXPENSE
Unfavorable gap of $12.2M · efficiency ratio beats 44% of banks under $1B in assets in the Tulsa, OK area
Bank 63.04%Peer median 62.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.29%0.94%1.44%1.74%Beats 39%11 / 18
Return on Equity12.74%9.63%12.74%15.04%Beats 50%9 / 18
Net Interest Margin4.31%3.75%4.31%4.83%Beats 50%9 / 18
Efficiency Ratio63.04%53.05%62.57%69.59%Beats 44%11 / 18
Asset Quality
Nonperforming Loans / Loans1.69%0.01%0.41%0.86%Beats 17%16 / 18
Net Charge-Offs / Loans0.17%0.00%0.02%0.05%Beats 11%17 / 18
Capital
Tier 1 Capital Ratio10.55%11.17%13.04%15.32%Beats 17%15 / 18
Total Risk-Based Capital Ratio10.55%11.17%13.81%15.32%Beats 17%15 / 18
Equity / Assets10.09%9.28%11.57%13.43%Beats 44%10 / 18
Liquidity & Funding
Loans / Deposits96.46%72.39%85.72%91.52%83rd pctl3 / 18
Loans / Assets83.56%60.70%74.00%81.85%89th pctl2 / 18
Brokered Deposits / Depositsn/aNot reported for this institution