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
Unfavorable gap of $13.0M · efficiency ratio beats 60% of banks under $1B in assets in the Oklahoma City, OK area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.60% | 0.90% | 1.27% | Beats 40% | 15 / 25 | |
| Return on Equity | 8.92% | 6.92% | 9.16% | 13.29% | Beats 44% | 14 / 25 | |
| Net Interest Margin | 3.42% | 3.56% | 3.82% | 4.10% | Beats 12% | 22 / 25 | |
| Efficiency Ratio | 59.98% | 56.35% | 63.12% | 79.22% | Beats 60% | 11 / 25 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.33% | 0.76% | 2.35% | Beats 64% | 10 / 25 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 8 / 25 | |
| Capital |
| Tier 1 Capital Ratio | 11.19% | 10.27% | 12.02% | 13.99% | Beats 36% | 16 / 25 | |
| Total Risk-Based Capital Ratio | 12.44% | 10.27% | 12.44% | 15.25% | Beats 48% | 13 / 25 | |
| Equity / Assets | 9.44% | 8.64% | 10.07% | 11.05% | Beats 36% | 16 / 25 | |
| Liquidity & Funding |
| Loans / Deposits | 96.38% | 70.71% | 82.03% | 97.03% | 68th pctl | 8 / 25 | |
| Loans / Assets | 85.51% | 62.67% | 74.54% | 84.24% | 84th pctl | 4 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |