Priorityone Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 102.80 percentage points in Q2 2026, from 315.35% to 212.55%. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, Priorityone Bank is 7th of 57 on return on assets, 2.14% as of Q2 2026. Priorityone Bank's return on assets of 2.14% is well above the 1.27% median for banks in the $1B-10B asset tier, a gap of 0.87 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.89% |
| Equity capital to assets | 11.88% |
| Tangible equity to tangible assets | 11.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.68% |
| Non-performing assets ratio | 0.73% |
| Net charge-off ratio | 0.15% |
| Texas ratio | 10.99% |
| Allowance for credit losses to loans | 1.45% |
| Reserve coverage of non-performing loans | 212.55% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.14% |
| Return on equity | 18.07% |
| Net interest margin | 4.93% |
| Efficiency ratio | 58.25% |
| Yield on earning assets | 6.65% |
| Cost of funds | 1.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.20% |
| Core deposits to total deposits | 92.35% |
| Brokered deposits to total deposits | 0.97% |
| Deposits to assets | 87.04% |
| Securities to assets | 15.16% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.60% | 1.32% | 3.91% | 0.63% | 0.01% |
| Q4 2023 | 10.62% | 0.98% | 4.04% | 0.29% | 0.00% |
| Q1 2024 | 10.67% | 1.22% | 3.98% | 0.56% | 0.03% |
| Q2 2024 | 10.78% | 1.59% | 4.07% | 0.62% | 0.25% |
| Q3 2024 | 10.78% | 1.50% | 4.23% | 0.38% | 0.29% |
| Q4 2024 | 11.08% | 1.42% | 4.49% | 0.45% | 0.09% |
| Q1 2025 | 11.46% | 1.54% | 4.44% | 0.42% | 0.02% |
| Q2 2025 | 11.61% | 2.08% | 4.78% | 0.39% | 0.19% |
| Q3 2025 | 11.92% | 1.86% | 4.85% | 0.48% | 0.40% |
| Q4 2025 | 12.20% | 1.75% | 4.84% | 0.48% | 0.61% |
| Q1 2026 | 12.16% | 1.92% | 4.87% | 0.45% | 0.19% |
| Q2 2026 | 11.89% | 2.14% | 4.93% | 0.68% | 0.15% |
Priorityone Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Priorityone Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Priorityone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21906) · FFIEC NIC profile (RSSD 956938)