PRISM BANK

GUTHRIE, OK | Medium | Est. Jan. 1, 1909, midnight | FDIC #5994 | RSSD #905356 | FDIC
Latest Report: 2025-12-31

PRISM BANK is amn medium FDIC-insured commercial bank headquartered in GUTHRIE, OK, established in Jan. 1, 1909, midnight. As of 2025-12-31, the bank reported total assets of $645M and total deposits of $575M. Profitability stands at 0.95% ROA and 10.14% ROE, with a net interest margin of 3.86%. The bank's CET1 capital ratio is 10.84%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.49% and a Texas Ratio of 4.22%. FDIC Certificate #5994.

Assets

$645M

Deposits

$575M

Loans

$551M

Equity

$58M

Profitability

Return on Assets (ROA) 0.95%
Return on Equity (ROE) 10.14%
Net Interest Margin (NIM) 3.86%
Yield on Assets 6.91%
Cost of Funds 3.11%

Asset Quality

NPL Ratio 0.49%
Net Charge-Off Ratio 0.16%
Texas Ratio 4.22%
NPA Ratio 0.42%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 10.84%
Tier 1 Capital 10.84%
Total Capital Ratio 12.09%
Leverage Ratio 10.05%
Loan-to-Deposit 95.81%

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