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Prism Bank

Guthrie, OK · Cert 5994 · Wdco Ventures LLC

State charter, non-member · FDIC · 1 branch

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 Oklahoma City, 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 Oklahoma City, OK area (n=25). 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

40

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

34

Q2 2024Q2 2026peer median

Efficiency

60

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

Prism Bank

Guthrie, OK · Cert 5994 · Wdco Ventures LLC

State charter, non-member · FDIC · 1 branch

Q2 2026

$720.9MAssets
$616.4MLoans
$639.6MDeposits
$68.1MEquity
Loan mix
64%RE $358.2M36%C&I $201.2M0%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $579.9M9%Noninterest $59.7MQ2 2025Q2 2026

NIM

6.33%Q2 ’246.71%Q2 ’256.31%Q2 ’26+8%-5%

Non-interest income vs. expense

3.40%Q2 ’242.50%Q2 ’252.14%Q2 ’26-25%-4%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 1.1% share · #16 of 71 inst. · $0.6B of $60.8B

Executive Summary

  • Earnings: ROA of 0.91%, up 13 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.49% of loans (-21 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 10.08%, down 44 bps from a year ago.
  • Funding: loans stand at 96.38% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.91%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.41%-18 bps YoY

Efficiency Ratio (YTD, annualized)

59.98%-221 bps YoY

Tier 1 Leverage Ratio

10.08%-44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%1.00%0.98%0.85%0.91%+13 bps
Return on Equity7.46%9.81%9.89%8.86%9.53%+207 bps
Net Interest Margin3.59%3.68%3.56%3.56%3.41%-18 bps
Efficiency Ratio62.19%58.66%55.91%57.91%59.98%-221 bps
Non-Interest Burden2.06%1.99%1.82%1.95%1.98%-8 bps
Growth
Asset Growth (YoY)46.19%42.84%40.37%36.73%39.02%-717 bps
Loan Growth (YoY)47.46%42.91%39.50%38.75%36.87%-1,059 bps
Deposit Growth (YoY)48.30%45.49%45.79%36.49%39.60%-870 bps
Asset Quality
Nonperforming Loans / Loans0.70%0.60%0.63%0.63%0.49%-21 bps
Net Charge-Offs / Loans0.22%0.14%0.16%0.00%-0.02%-24 bps
Allowance / Loans1.19%1.20%1.10%1.19%1.13%-6 bps
Allowance Coverage of NPLs1.7x2.0x1.8x1.9x2.3x+0.6x
Capital
Tier 1 Leverage Ratio10.52%10.05%10.05%10.28%10.08%-44 bps
Total Risk-Based Capital12.85%12.66%12.09%12.71%12.44%-41 bps
Equity / Assets10.00%9.77%9.04%10.11%9.44%-56 bps
Liquidity & Funding
Loans / Deposits98.30%95.67%95.81%101.49%96.38%-192 bps
Liquid Assets / Assets5.31%5.97%6.90%4.99%6.42%+111 bps
CRE / Total Capitaln/a358%376%384%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

Prism Bank

Guthrie, OK · Cert 5994 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · Wdco Ventures LLC

State charter, non-member · FDIC · 1 branch

Q2 2026

$720.9MAssets
$616.4MLoans
$639.6MDeposits
$68.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Oklahoma City, OK area (rank 8 of 25).
  • Widest gap: net interest margin trails 88% of banks under $1B in assets in the Oklahoma City, OK area (rank 22 of 25).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.84%

Rank 15 of 25

Net Interest Margin

3.42%

Rank 22 of 25

Efficiency Ratio

59.98%

Rank 11 of 25

Equity / Assets

9.44%

Rank 16 of 25

Non-interest income vs. expense

$1.0M$14.0MINCOMEEXPENSE
Unfavorable gap of $13.0M · efficiency ratio beats 60% of banks under $1B in assets in the Oklahoma City, OK area
Bank 59.98%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.84%0.60%0.90%1.27%Beats 40%15 / 25
Return on Equity8.92%6.92%9.16%13.29%Beats 44%14 / 25
Net Interest Margin3.42%3.56%3.82%4.10%Beats 12%22 / 25
Efficiency Ratio59.98%56.35%63.12%79.22%Beats 60%11 / 25
Asset Quality
Nonperforming Loans / Loans0.49%0.33%0.76%2.35%Beats 64%10 / 25
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%8 / 25
Capital
Tier 1 Capital Ratio11.19%10.27%12.02%13.99%Beats 36%16 / 25
Total Risk-Based Capital Ratio12.44%10.27%12.44%15.25%Beats 48%13 / 25
Equity / Assets9.44%8.64%10.07%11.05%Beats 36%16 / 25
Liquidity & Funding
Loans / Deposits96.38%70.71%82.03%97.03%68th pctl8 / 25
Loans / Assets85.51%62.67%74.54%84.24%84th pctl4 / 25
Brokered Deposits / Depositsn/aNot reported for this institution