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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 75thStandingRank8-Qtr TrendPeer 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