Prism Bank
Guthrie, OK·RSSD 905356·FDIC 5994·bank:905356·Risk-based ratios where reported
- #35 of 171Total assets in Oklahoma
- 2offices
- 62employees
- Top 2%Deposit growth in the U.S.
- Top 2%C&I loan growth in the U.S.
- Top 3%Loan growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Prism Bank
10 of 24 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Commercial lending growing with steady creditStrength: Lending FORFI signal 2nd quarter+68.1%peers +2.3%+65.8 pp
Prism Bank's C&I loans grew faster than at similar banks, without a material rise in problem loans or net charge-offs.
| This institution | Peer median | Difference |
|---|---|---|
| Commercial and industrial loans, 12-month growth | ||
| +68.1% | +2.3% | +65.8 pp |
With internal data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Prism Bank itself is left out of every peer median and percentile. How signals work
Deposit costs among the highest of similar banksWorth a look: Funding 2nd quarter3.36%peers 1.80%+156 bps
Prism Bank's cost of all deposits was 3.36%, compared with a median of 1.80% among 1432 similar banks: higher than 98% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 3.36% | 1.80% | +156 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Prism Bank itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth 2nd quarter+39.0%peers +4.7%+34.3 pp
Prism Bank's total assets grew 39.0% over the past year to $721 million. The median among 1437 similar banks was +4.7%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +39.0% | +4.7% | +34.3 pp |
| Total assets | ||
| $721 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Prism Bank itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the lowest of similar banksWorth a look: Earnings0.07%peers 0.45%-37 bps
Prism Bank's noninterest income relative to average assets was 0.07%, compared with a median of 0.45% among 1434 similar banks: lower than 97% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 0.07% | 0.45% | -37 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Prism Bank itself is left out of every peer median and percentile. How signals work
Net charge-offs falling while the peer median holds steadyStrength: Asset quality-0.04%peers 0.00%-4 bps
Prism Bank's annualized net charge-off rate fell 51 bps over the past year to -0.04%. Among 1427 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| -0.04% | 0.00% | -4 bps |
| 12-month change | ||
| -51 bps | 0 bps | -51 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Prism Bank itself is left out of every peer median and percentile. How signals work
5 more observations
- Deposits growing faster than peersFunding
- Loans growing faster than peersLending
- Reliance on CDs falling faster than peersFunding
- C&I lending growing faster than peersLending
- Net interest margin narrowing while the peer median widensEarnings
Key facts
- Prism Bank is a bank headquartered in Guthrie, Oklahoma. It reported $721 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $640 million, up 39.6% from a year earlier, and loans totaled $616 million, up 36.9%.
- Its net interest margin was 3.49% and its annualized return on assets was 0.98% for the quarter.
- Its cost of all deposits was 3.36%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Prism Bank's own data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
Analysis workspaces
Sources and identifiers
- Institution
- Prism Bank · Bank
- Federal Reserve RSSD
- 905356
- FDIC certificate
- 5994
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Prism Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $1.67M | — | |
| $10.79M | — | |
| $5.03M | — | |
| $5.76M | — | |
| $124K | — | |
| $3.65M | — | |
| $223K | — | |
| $150K | — | |
| 0.98% | 0.98%ROAQ · Quarter | |
| 3.49% | 3.48%NIMYQ · Quarter | |
| 62.02% | 62.02%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.