Prism Bank
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Data as of · sourced from FFIEC call reports. How we update
Prism Bank is an FDIC-insured commercial bank headquartered in Guthrie, OK, established in 1909 (FDIC certificate 5994), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $720.9M, up 39.0% from Q2 2025, the 35th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 11.19% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5994
- Headquarters
- Guthrie, OK
- Established
- 1909
- Total assets, Q2 2026
- $720.9M
- Assets vs Q2 2025
- +39.0%
- CET1 ratio, Q2 2026
- 11.19%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103012908
- Holding company
- TOWN & COUNTRY BANCSHARES, INC.
- Asset rank in state
- 35th of 169 in Oklahoma
Prism Bank pays more for its money than most banks of its size. The Guthrie, Oklahoma bank had $721 million in assets at June 30, 2026, up 39.0% from a year earlier. It pays an average of 3.33% on its deposits and borrowings, about double the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also holds common equity equal to 11.19% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
Earnings jumped: net income for the quarter was $1.7 million, 58% above the same quarter a year earlier. The non-owner-occupied commercial real estate book ($192 million) is worsening: 1.04% of it is past due or on nonaccrual, up from 0.07% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.0 times its capital, 2.5 times the median of 1.2 times for banks its size.
As of June 30, 2026, Prism Bank reported a CET1 capital ratio of 11.19%, a return on assets of 1.02%, a nonperforming-loan ratio of 0.49% and a Texas ratio of 4.19%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Prism Bank is the 35th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 12.5% to $720.9M, loans rose 9.8% and deposits rose 15.6%. Commercial and industrial loans made up 40.2% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 31.1%. The FDIC Summary of Deposits lists a single office for it, in Guthrie, OK. By the capital ratios in its Q2 2026 call report, Prism Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2610 S Division St, Guthrie, OK 73044
- County
- Logan
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1909
- Former names
- Oklahoma State Bank (2018-2023)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 62
- Domestic deposits
- $639.6M
- Allowance for credit losses
- $7.0M
- Net charge-offs (YTD)
- -$57K
- Average total assets
- $656.6M
- Average total loans
- $570.4M
- Average interest-bearing deposits
- $548.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5994
- Fed RSSD
- 905356
- Website
- www.prism.bank →
- Parent Holding Company
- TOWN & COUNTRY BANCSHARES, INC. (RSSD 2725660)
- Ultimate Parent
- WDCO VENTURES LLC (RSSD 5801257)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Prism Bank's total assets moved between a low of $288.4M (Q3 2023) and a high of $720.9M (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
$720.9M total assets against $518.6M; $652.8M total liabilities against $466.7M.
$609.5M net loans and leases against $445.0M; $639.6M total deposits against $458.1M.
$47.3M securities against $29.5M; $49.7M cash and balances due against $31.6M.
$10.8M total interest income against $8.5M; $5.0M total interest expense against $3.9M.
$5.8M net interest income against $4.6M.
$124K total noninterest income against $511K; $3.6M total noninterest expense against $3.0M.
$150K provision for credit losses against $705K.
$1.7M net income against $1.1M.
1.02% return on assets against 0.89%; 3.56% net interest margin against 3.92%.
11.19% CET1 capital ratio against 11.60%; 10.08% tier 1 leverage ratio against 10.52%.
Inside the full Prism 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Prism Bank rankings
Its closest position to the top of a national ranking is 1,342 of 4,196, for total assets; its furthest is 1,910 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.32% (Q4 2024) to 1.45% (Q3 2025) and its net interest margin ran from 3.55% (Q3 2024) to 4.60% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.19% | 1.02% | 0.49% | 4.19% | 3.56% |
| Q1 2026 | 11.46% | 0.90% | 0.63% | 5.15% | 3.61% |
| Q4 2025 | 10.84% | 1.03% | 0.63% | 5.57% | 3.90% |
| Q3 2025 | 11.41% | 1.45% | 0.60% | 4.95% | 4.60% |
| Q2 2025 | 11.60% | 0.89% | 0.70% | 5.75% | 3.92% |
| Q1 2025 | 12.66% | 0.74% | 0.45% | 3.45% | 3.55% |
| Q4 2024 | 12.32% | 0.32% | 0.87% | 6.79% | 3.71% |
| Q3 2024 | 13.52% | 0.42% | 0.54% | 3.90% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Prism Bank (main office) | Guthrie , OK | 73044 | $639.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 26, 1987 | Structure Change | Acquired Eighty Niner Bank of Coyle Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 25, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in OK, rank 39 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $1.4M approved, $725K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Prism Bank
What are Prism Bank's total assets?
As of the Q2 2026 filing, Prism Bank reported total assets of $720.9 million in its FFIEC call report.
Where is Prism Bank headquartered?
It is headquartered in Guthrie, OK, United States.
When was Prism Bank founded?
It was established in 1909, per the FDIC institution directory.
Is Prism Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5994). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Prism Bank?
Prism Bank's primary federal regulator is the FDIC.
What is Prism Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.19% in its Q2 2026 call report, above regulatory requirements.
How many branches does Prism Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Prism Bank's Texas Ratio?
Its Texas Ratio is 4.19% 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.
What was Prism Bank previously called?
The charter now named Prism Bank has also operated as Oklahoma State Bank (2018-2023), per FDIC structure-change records.
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