# PRIORITYONE BANK
MAGEE, MS · FDIC certificate 21906 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.18B | |
| Deposits | $1.03B | |
| Loans and leases | $929.4M | |
| Total equity | $140.7M | |
| Loans / deposits | 88.88% (p55 of band) | 87.10% |
| Liquid assets / assets | 17.20% (p33 of band) | |
| Uninsured deposits / deposits | 20.80% (p19 of band) | 30.76% |
| Brokered deposits | 0.84% | |
| Wholesale funding | 1.01% (p23 of band) | |
| FHLB advances / assets | 0.17% | |
| Tier 1 leverage | 11.89% (p75 of band) | 10.50% |
| Unrealized securities loss / equity | -4.87% (p65 of band) | -7.75% |
| AOCI / equity | -0.31% (p50 of band) | |
| ROA (annualized) | 2.03% (p89 of band) | 1.26% |
| Net interest margin | 4.91% (p93 of band) | 3.70% |
| Efficiency ratio | 60.30% (p54 of band) | |
| Noncurrent loans | 1.58% (p86 of band) | 0.51% |
| Net charge-offs (annualized) | 0.13% (p79 of band) | |
| Reserve coverage of noncurrent | 92.01% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 91.66% (p84 of band) | |
| Auto loans | $6.4M (0.68% of loans; DQ 3.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 6.4% | |
| Employees | 243 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-12 | 1 |  | construction >100% equity |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 0 |  | reserve under noncurrent, capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 | construction >100% equity | reserve under noncurrent |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 1 |  | charge-offs p90, capital falling |
| 2017-12 | 1 | reserve under noncurrent | construction >100% equity |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 2 | charge-offs p90 |  |
| 2018-12 | 1 | reserve under noncurrent | capital falling, charge-offs p90 |
| 2019-03 | 0 |  | reserve under noncurrent |
| 2019-06 | 2 | capital falling, charge-offs p90 |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 3 | capital falling, charge-offs p90, construction >100% equity |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | charge-offs p90 |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | construction >100% equity |
| 2024-03 | 2 | construction >100% equity, uninsured deposits leaving |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 0 |  | construction >100% equity, uninsured deposits leaving |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 2 | capital falling, reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-17 [Mississippi Blood Services Teams Up with PriorityOne Bank for Blood Drive - WLBT](https://news.google.com/rss/articles/CBMipAFBVV95cUxOUkpmLUhfWXQwSzZTYURjdGR0cWk4bUl5ODFzb250Ukxxb3lMRVRBZ2FTMlVzUW5rcGVnT211b1FRUVdsQ1hoMlo1cVBGMnBLM2dFeUtvYkU5cWpsOGVaU3Q2VzNmMVJzcnR1TWw3TDRIZHlNbVIwSWFRVUYwVEg2YWlMMExHMXNIVzFXNzh0SXlnVzhJMk9YcVlhZ2NJS29BYXBST9IBuAFBVV95cUxPdkx2ek9hNjdpcXJMd1pZNXNUa1lEd01BcmJ6WXpWUlAtcGFWVGdRbkx6aE1HWXhDaXhUX2owUFNUQjV5OGNtTUVtdFJ6cE9vazJjQW9lWXlxQTFYNUpDMTFtc0ZQUzdoZUZWU3VKMGZoXzFmdXhwaDRIRVNSbFRPd25XYTQzcm1iOW9jdncxVTVtRENLdy1JcG1EdUZCcmsxcmRJQlU5dVpNT3F2MXM4am1zVHpqY25K?oc=5) · WLBT
- 2026-04-23 [PRIORITYONE BANK PROMOTES LAUREN ADKINS TO SVP, BANKING SERVICES MANAGER - MageeNews.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQRFVMTlJOMklRODhTUHVXVTJoZ2RLVmpVdmFVYTh0SkN6b2YwUF9FMXdQRXUtMDN3WVpJUUp1bUM1NE9kMWtTczRrMmJRb2FrRWE1dU90Q2RJWi10SXZ6d1N3RTNDcFI0eTNNTmFaMmhxM2h4NGZFT1Z0V0VuY3h2MlZpSERERlJ2ZW44SG9SS181aERiUDlRWXRR0gGfAUFVX3lxTE5tQlNwTDg1X2d1aDVDd19oMjQ5Qm1kWExCaWVfZEdKV05KNjZVY2dWVVJycHpKUjRCeEZ4eXhVdjBJak5tSVhpMU1OUUZraldxU1hqNV9SaFZzNDFaTV9JM1RHbEFTNmhxSnRyLURWYjZxcUhveWtKTzNTTFlCWVFXdjdiNTdOZlVXLU5EVDhhVjZjT0Z0bTZKVzZXODV4SQ?oc=5) · MageeNews.com
- 2025-10-29 [Bogue Chitto native promoted to Senior VP of PriorityOne Bank - Daily Leader](https://news.google.com/rss/articles/CBMingFBVV95cUxPc3hQVW5KZjltWUJfRk95WmNIV1ppM0huSWRSaVZTem1LN215SXpTTWpyYnlhZklqYk9rN2JuLVdoMGVfOVM5VHZhbEhIUFM1SGNpVlFfeE1lTVEyMFNHUG9tcnJadW1CUTNWTS1haW5NWHAzcjlPeWRPRUZxLTlGR1FYcEt0TjZVc3YzNU9KNEJTYlFYd2tVVUJRT244QQ?oc=5) · Daily Leader
- 2026-02-25 [PriorityOne Bank offers free financial education workshop on building better money habits in Canton - Madison County Journal](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPQW5CT2kyR1IwUGNfTXdrM1dPTFZOc3MyZzFadjhfYVdldzlkRWlIbFFwZlJuV1FGeEFWV2VNRWNwVHZMUHp4R3cxbFJGSjJPU2VoeHZtWGMxRGVqSXlaUkpZekZKRElrdFFIbnFiUE9pbnZaVFF4SnZOdTlheUllRkhmNldlYXVILWhEbTQxMUo3OTBPN1Q2R1otZmlxdlJ6VTJPdGJfUGgzQmJPV0g1dmVTN2FUdU90VzZ4XzB3bkJ1eUpZN1MtTnp6WDJ6MHFTWlRGSnJNUVVPc3NrMFpR?oc=5) · Madison County Journal
- 2026-09-09 [PRIORITYONE BANK WELCOMES LISA MORROW TO HATTIESBURG LENDING TEAM - HubCitySPOKES](https://news.google.com/rss/articles/CBMilwFBVV95cUxQZm1MYjNSbk5vUFAwM1U5LVhJMnc5YXdIUzdOY005amJmVFpIS0JKRlUtVlh0YXViRFNFamJ0V2lEMlJvLU1EUEptd0NsYS1WU3ZHWWM0bEhnOUhPNUhqbE5oT2pBS0E4eGx0eVAwcmxsUElKaS1HUkJIanBXN25LS1pJb2w0RUNNT25rWndKcUtkbmNRbEFn?oc=5) · HubCitySPOKES
- 2024-05-11 [PriorityOne Bank Metro Jackson Player of the Week – 5-11-24 - Mississippi Scoreboard](https://news.google.com/rss/articles/CBMilwFBVV95cUxNVnV2LXNwWTU0em9XNS1FXzdzb1dxdmhaTlpKYTVCZG5fWjBWX3BRcmtncnNCTDhCb2RDRmtjbHV2N1BUQ2Y5bUtaWGw5bUVVZjFuSFlPODF2cENyQU5VUUpnNnp6eU5RSmlQaTRqTmRJVElXbWFVcEFuRW5ibzhpakZYM0tZVmJGbGt0UkhxU1FZSUFJR2pv?oc=5) · Mississippi Scoreboard
- 2026-02-18 [Rodgers appointed as new VP of Priority One Bank - Madison County Journal](https://news.google.com/rss/articles/CBMimwFBVV95cUxQY3psd3dVaTNBT2U4RnZ1ZEZjQ3A4ZUsyUmdRTURRSDc3MXBnQUdCVkphNW1IUnYySnJGSmlBdElwdGhDd0NWb3p1M0FaSkN2SGc5Y3o0NVZnUnZ1NEkxNk1Ed0Y1V2FrbjhIeWotMGc5SVlIdDZ0bXBYX0RMVVVrRUYzSkg3cTd0WTZNVkwtTk1WNTJLWkcwcnFXaw?oc=5) · Madison County Journal
- 2024-04-19 [PriorityOne Bank Metro Jackson Player of the Week 4-19-24 - Mississippi Scoreboard](https://news.google.com/rss/articles/CBMilwFBVV95cUxNMTAwanZYeGI4aUN2YWRRTXNWQkFBaFEybi1za0RyRkFiUllkSGJka05NMzNPLUhkRlUwU3hmY19ySTQzR05BTkhiLUhucUotSWQ3WllJbnprLUt6UENMMjZzaUJ5c2J0bnFoOUl3U0cyNEp1NlVRZm0yMWpnSWRFYWs1SlEzTWRwRW40OHc0WEhaNm5hVFZv?oc=5) · Mississippi Scoreboard

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21906 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/18.json (key "21906", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide