Pryor, OK · Cert 4185 · First Pryor Bcorp Inc.
State charter, Fed member · FED · 1 affiliate bank · 3 branches (4 in holding)
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 0.9% share · #24 of 59 inst. · $0.4B of $39.3B
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 | 1.35% | 1.38% | 1.74% | 1.42% | 1.39% | 1.30% | 1.21% | 1.33% | -9 bps | |
| Return on Equity | 13.99% | 14.18% | 17.24% | 14.13% | 13.91% | 12.97% | 11.98% | 13.17% | -97 bps | |
| Net Interest Margin | 4.00% | 4.03% | 4.11% | 4.12% | 4.04% | 3.92% | 4.36% | 4.31% | +19 bps | |
| Efficiency Ratio | 59.72% | 59.74% | 61.52% | 63.69% | 62.80% | 64.70% | 67.44% | 63.04% | -65 bps | |
| Non-Interest Burden | 2.14% | 2.13% | 2.26% | 2.38% | 2.28% | 2.28% | 2.67% | 2.28% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.20% | 10.02% | 8.56% | 10.77% | 14.39% | 14.27% | 12.66% | 11.94% | +117 bps | |
| Loan Growth (YoY) | 9.75% | 7.50% | 11.02% | 14.09% | 15.60% | 13.80% | 15.67% | 15.04% | +95 bps | |
| Deposit Growth (YoY) | 10.51% | 9.33% | 7.96% | 10.50% | 14.45% | 14.10% | 12.93% | 8.12% | -238 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.15% | 1.05% | 1.61% | 3.06% | 2.70% | 2.45% | 2.19% | 1.69% | -137 bps | |
| Net Charge-Offs / Loans | -0.04% | 0.24% | 0.16% | 0.19% | 0.11% | 0.36% | 0.08% | 0.34% | +15 bps | |
| Allowance / Loans | 1.78% | 1.51% | 1.51% | 1.51% | 1.58% | 1.34% | 1.32% | 1.29% | -22 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.4x | 0.9x | 0.5x | 0.6x | 0.5x | 0.6x | 0.8x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.79% | 10.15% | 10.23% | 10.25% | 10.25% | 10.12% | 10.33% | 10.55% | +29 bps | |
| Total Risk-Based Capital | 13.95% | 13.64% | 13.37% | 12.73% | 13.26% | 12.96% | 13.06% | 10.55% | -219 bps | |
| Equity / Assets | 9.83% | 10.09% | 10.08% | 9.97% | 9.90% | 10.06% | 10.07% | 10.09% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.00% | 90.38% | 90.25% | 90.66% | 88.89% | 90.14% | 92.44% | 96.46% | +580 bps | |
| Liquid Assets / Assets | 11.17% | 10.89% | 9.73% | 8.50% | 7.28% | 7.15% | 7.19% | 0.53% | -796 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 322% | 317% | 347% | n/a | n/a | |