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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Pryor, OK · FDIC certificate #4185
FIRST PRYORITY BANK is an FDIC-insured institution based in Pryor, OK (FDIC certificate #4185). In its Q3 2026 Call Report it reported total assets of $580M, total deposits of $523M and net loans of $478M. Its primary federal regulator is FED.
Plain-language readout
FIRST PRYORITY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $580M in Q3 2026 and were lowest at $540M in Q1 2026.
Total deposits were highest at $523M in Q3 2026 and lowest at $483M in Q2 2026.
Over the whole period total assets rose 7.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $580M | $523M | $478M | 1.26% | 12.70% | 4.49% |
| Q2 2026 | $558M | $483M | $460M | 1.33% | 13.17% | 4.54% |
| Q1 2026 | $540M | $485M | $442M | 1.21% | 11.98% | 4.60% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $10.1M | $11.9M | -$1.7M | -14.7% |
| Federal funds sold | $22.2M | $25.0M | -$2.8M | -11.3% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $37.4M | $33.7M | +$3.7M | +11.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $770K | -$770K | -100.0% |
| Net loans and leases (after allowance) | $460.3M | $441.2M | +$19.1M | +4.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $12.8M | $12.9M | -$117K | -0.9% |
| Other real estate owned | $562K | $287K | +$275K | +95.8% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $14.7M | $14.4M | +$363K | +2.5% |
| Total assets | $558.1M | $540.1M | +$18.0M | +3.3% |
| Liabilities | ||||
| Total deposits | $483.4M | $484.6M | -$1.1M | -0.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $15.0M | $0K | +$15.0M | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.4M | $1.2M | +$2.2M | +181.6% |
| Total liabilities | $501.8M | $485.7M | +$16.1M | +3.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.0M | $2.0M | $0K | 0.0% |
| Surplus | $12.7M | $12.7M | $0K | 0.0% |
| Retained earnings | $44.1M | $42.1M | +$2.0M | +4.7% |
| Accumulated other comprehensive income | -$44K | $0K | -$44K | n/a |
| Other equity components | -$2.4M | -$2.4M | $0K | 0.0% |
| Total equity capital | $56.3M | $54.4M | +$1.9M | +3.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $8.4M | $10.1M | -$1.7M | -16.7% |
| Adjusted nonperforming assets | $8.4M | $9.7M | -$1.3M | -13.0% |
| Tangible equity plus allowance | $62.3M | $60.3M | +$2.0M | +3.4% |
| Texas ratio (gross) | 13.52% | 16.79% | -3.26 pts | See points |
| Texas ratio (adjusted) | 13.52% | 16.06% | -2.54 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 13.52% | 16.30% | -2.77 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | 11.81% | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | 11.81% | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | 1.25% | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | 13.06% | Not reported | See points |
| Tier 1 leverage (approximate) | 10.55% | 10.33% | +0.21 pts | See points |
| Construction and land loans to total capital | 114.62% | 112.37% | +2.25 pts | See points |
| Commercial real estate to total capital | 224.17% | 225.68% | -1.51 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.08% | 0.03% | -0.11 pts | See points |
| Liquidity | ||||
| Core deposits | $426.4M | $432.2M | -$5.8M | -1.3% |
| Non-core funding | $72.1M | $52.4M | +$19.7M | +37.6% |
| Loans to core deposits | 109.37% | 103.46% | +5.90 pts | See points |
| Loans to deposits | 96.46% | 92.28% | +4.18 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 9.75% | 10.94% | -1.19 pts | See points |
| Loans pledged, share of loans | 28.59% | 26.59% | +2.00 pts | See points |
| Volatile liabilities | $120.3M | $86.1M | +$34.2M | +39.8% |
| Earnings | ||||
| Earnings before provision, year to date | $5.4M | $2.2M | +$3.2M | +143.3% |
| Earnings before provision, single quarter | $3.2M | $2.2M | +$963K | +43.3% |
| Provision for credit losses, year to date | $1.2M | $360K | +$801K | +222.5% |
| Yield and cost | ||||
| Yield on loans and leases | 7.97% | 8.06% | -0.09 pts | See points |
| Yield on interest-bearing balances due from banks | 0.34% | 0.25% | +0.09 pts | See points |
| Total interest income to average assets | 7.07% | 6.99% | +0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 3.50% | 3.80% | -0.30 pts | See points |
| Cost of savings and money market deposits | 1.48% | 1.36% | +0.12 pts | See points |
| Cost of time deposits | 3.95% | 4.01% | -0.06 pts | See points |
| Total interest expense to average assets | 2.74% | 2.63% | +0.11 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $580M | $523M | $478M | 1.26% | 12.70% | 4.49% |
| 2026-06-30 | $558M | $483M | $460M | 1.33% | 13.17% | 4.54% |
| 2026-03-31 | $540M | $485M | $442M | 1.21% | 11.98% | 4.60% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $447.1M | 0.32% | 54 | Continuing · +0.02 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.