Prism Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Prism Bank of Guthrie, OK against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.02% | 1.35% | -0.33% | 34th below |
| ROAE | 10.06% | 13.33% | -3.27% | 36th below |
| Net Interest Margin | 3.56% | 3.93% | -0.37% | 30th below |
| Efficiency Ratio | 61.95% | 61.13% | +0.82% | 48th below |
| PPNR / Avg Assets | 1.36% | 1.68% | -0.32% | 37th below |
| Yield on Earning Assets | 6.66% | 5.67% | +0.99% | 90th top |
| Cost of Funds | 3.33% | 1.88% | +1.45% | 2nd bottom |
| Net Interest Spread | 3.06% | 3.32% | -0.26% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.49% | 0.94% | -0.45% | 46th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.42% | 0.70% | -0.28% | 43rd below |
| NCO / Avg Loans | -0.04% | 0.16% | -0.20% | 94th top |
| ACL / Total Loans | 1.13% | 1.28% | -0.15% | 42nd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 232.18% | 1547.12% | -1314.94% | 52nd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.19% | 7.34% | -3.15% | 46th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.19% | 19.49% | -8.30% | 10th bottom |
| Tier 1 Ratio | 11.19% | 19.53% | -8.34% | 10th bottom |
| Total Capital Ratio | 12.44% | 20.61% | -8.17% | 11th bottom |
| Leverage Ratio | 10.08% | 12.14% | -2.06% | 34th below |
| Equity / Assets | 9.44% | 11.37% | -1.93% | 35th below |
| TCE / Tangible Assets | 9.15% | 11.08% | -1.93% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.38% | 80.65% | +15.73% | 16th bottom |
| Core Deposit Ratio | 76.91% | 86.86% | -9.95% | 11th bottom |
| Wholesale Funding Ratio | 1.32% | 5.04% | -3.72% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 39.02% | 6.82% | +32.20% | 98th top |
| Loan Growth (Y/Y) | 36.87% | 7.90% | +28.97% | 98th top |
| Deposit Growth (Y/Y) | 39.60% | 6.27% | +33.33% | 98th top |
See Prism Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Prism Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Prism Bank profile, how to read a UBPR, or how this data updates.