First Pryority Bank
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Data as of · sourced from FFIEC call reports. How we update
First Pryority Bank is an FDIC-insured commercial bank headquartered in Pryor, OK (FDIC certificate 4185), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $558.1M, up 11.9% from Q2 2025, the 49th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.55% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4185
- Headquarters
- Pryor, OK
- Established
- Not reported
- Total assets, Q2 2026
- $558.1M
- Assets vs Q2 2025
- +11.9%
- Tier 1 leverage ratio, Q2 2026
- 10.55%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 103102627
- Latest call report
- Q2 2026, FFIEC 051 · First Pryority Bank call report
- Holding company
- FIRST PRYOR BANCORP, INC.
- Asset rank in state
- 49th of 169 in Oklahoma
First Pryority Bank pays more for its money than most banks of its size. It reported $558 million in assets at June 30, 2026, up 11.9% from a year earlier. It pays an average of 3.02% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also carries problem assets equal to 13.5% of the capital and reserves that would absorb them, 5.1 times the median of 2.6% for banks its size.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.69% of loans from 2.88%. Earnings jumped: net income for the quarter was $2.0 million, 46% above the same quarter a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, First Pryority Bank reported a return on assets of 1.48%, a nonperforming-loan ratio of 1.69% and a Texas ratio of 13.52%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, First Pryority Bank is the 49th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.3% to $558.1M, loans rose 4.1% and deposits fell 0.2%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 25.4% of total loans, followed by 1-4 family residential loans at 19.0%. Its 3 offices in the FDIC Summary of Deposits are in Tulsa, OK and Pryor, OK; its Tulsa 2 offices book 75% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Pryority Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 310 E Graham Ave, Pryor, OK 74361
- County
- Mayes
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 93
- Domestic deposits
- $483.4M
- Allowance for credit losses
- $6.0M
- Net charge-offs (YTD)
- $790K
- Average total assets
- $534.2M
- Average total loans
- $436.6M
- Average interest-bearing deposits
- $396.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4185
- Fed RSSD
- 524953
- Website
- www.pryority.bank →
- Parent Holding Company
- FIRST PRYOR BANCORP, INC. (RSSD 2224408)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Pryority Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Pryority Bank's total assets moved between a low of $408.4M (Q3 2023) and a high of $558.1M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$558.1M total assets against $498.5M; $501.8M total liabilities against $448.8M.
$460.3M net loans and leases against $399.3M; $483.4M total deposits against $447.1M.
$37.4M securities against $37.4M; $32.3M cash and balances due against $34.9M.
$9.4M total interest income against $8.6M; $3.7M total interest expense against $3.5M.
$5.8M net interest income against $5.1M.
$2.0M total noninterest income against $761K; $4.6M total noninterest expense against $3.9M.
$801K provision for credit losses against $470K.
$2.0M net income against $1.4M.
1.48% return on assets against 1.12%; 4.61% net interest margin against 4.46%.
10.55% tier 1 leverage ratio against 10.25%.
Inside the full First Pryority Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Pryority Bank rankings
Its closest position to the top of a national ranking is 379 of 3,640, for Texas Ratio; its furthest is 1,646 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.03% (Q4 2025) to 1.73% (Q1 2025) and its net interest margin ran from 4.14% (Q3 2024) to 4.65% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.55% | 1.48% | 1.69% | 13.52% | 4.61% |
| Q1 2026 | 10.33% | 1.22% | 2.19% | 16.06% | 4.65% |
| Q4 2025 | 10.12% | 1.03% | 2.45% | 17.76% | 4.26% |
| Q3 2025 | 10.25% | 1.36% | 2.70% | 19.19% | 4.43% |
| Q2 2025 | 10.25% | 1.12% | 3.06% | 21.84% | 4.46% |
| Q1 2025 | 10.23% | 1.73% | 1.61% | 10.00% | 4.35% |
| Q4 2024 | 10.15% | 1.47% | 1.05% | 5.87% | 4.37% |
| Q3 2024 | 9.79% | 1.26% | 1.15% | 5.79% | 4.14% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Pryority Bank Branch | Tulsa , OK | 74133 | $353.5M |
| First Pryority Bank (main office) | Pryor , OK | 74361 | $119.1M |
| East Tulsa Branch | Tulsa , OK | 74146 | $10.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve); 1 against individuals associated with it
- March 25, 2008, Federal Reserve: Written Agreement: First Pryority Bank, Pryor, Oklahoma
- Period: Most recent institution action March 25, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in OK, rank 50 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 126 applications, 90 loans originated, $35.8M originated, across 9 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 9 loans, $9.2M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Pryority Bank
What are First Pryority Bank's total assets?
As of the Q2 2026 filing, First Pryority Bank reported total assets of $558.1 million in its FFIEC call report.
Where is First Pryority Bank headquartered?
It is headquartered in Pryor, OK, United States.
Is First Pryority Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4185). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Pryority Bank?
First Pryority Bank's primary federal regulator is the Federal Reserve.
How many branches does First Pryority Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Pryority Bank's Texas Ratio?
Its Texas Ratio is 13.52% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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