Prism 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 climbed 44.33 percentage points in Q2 2026, from 187.84% to 232.18%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Prism Bank is 123rd of 169 on return on assets, 1.02% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Prism Bank sits 0.23 points lower, at 1.02% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.19% |
| Tier 1 risk-based capital ratio | 11.19% |
| Total risk-based capital ratio | 12.44% |
| Tier 1 leverage ratio | 10.08% |
| Equity capital to assets | 9.44% |
| Tangible equity to tangible assets | 9.15% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.49% |
| Non-performing assets ratio | 0.42% |
| Net charge-off ratio | -0.04% |
| Texas ratio | 4.19% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 232.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.02% |
| Return on equity | 10.06% |
| Net interest margin | 3.56% |
| Efficiency ratio | 61.95% |
| Yield on earning assets | 6.66% |
| Cost of funds | 3.33% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.38% |
| Core deposits to total deposits | 76.91% |
| Brokered deposits to total deposits | 19.15% |
| Deposits to assets | 88.72% |
| Securities to assets | 6.56% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.62% | 13.62% | 14.87% | 10.99% | 0.52% |
| Q4 2023 | 13.55% | 13.55% | 14.80% | 10.78% | 0.42% |
| Q1 2024 | 15.29% | 15.29% | 16.54% | 12.47% | 0.38% |
| Q2 2024 | 12.95% | 12.95% | 14.20% | 11.16% | 0.13% |
| Q3 2024 | 13.52% | 13.52% | 14.77% | 11.46% | 0.42% |
| Q4 2024 | 12.32% | 12.32% | 13.57% | 11.47% | 0.32% |
| Q1 2025 | 12.66% | 12.66% | 13.91% | 11.00% | 0.74% |
| Q2 2025 | 11.60% | 11.60% | 12.85% | 10.52% | 0.89% |
| Q3 2025 | 11.41% | 11.41% | 12.66% | 10.05% | 1.45% |
| Q4 2025 | 10.84% | 10.84% | 12.09% | 10.05% | 1.03% |
| Q1 2026 | 11.46% | 11.46% | 12.71% | 10.28% | 0.90% |
| Q2 2026 | 11.19% | 11.19% | 12.44% | 10.08% | 1.02% |
Prism Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Prism 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 Prism Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5994) · FFIEC NIC profile (RSSD 905356)