# PRIORITY BANK
FAYETTEVILLE, AR · FDIC certificate 33818 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. 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 | $153.4M | |
| Deposits | $129.4M | |
| Loans and leases | $116.7M | |
| Total equity | $16.2M | |
| Loans / deposits | 89.03% (p78 of band) | 73.59% |
| Liquid assets / assets | 22.00% (p27 of band) | |
| Uninsured deposits / deposits | 20.13% (p51 of band) | 19.81% |
| Brokered deposits | 0.59% | |
| Wholesale funding | 5.03% (p73 of band) | |
| FHLB advances / assets | 4.44% | |
| Tier 1 leverage | 10.52% (p32 of band) | 11.76% |
| Unrealized securities loss / equity | -0.38% (p85 of band) | -6.57% |
| AOCI / equity | -0.82% (p32 of band) | |
| ROA (annualized) | 1.67% (p75 of band) | 1.17% |
| Net interest margin | 4.52% (p77 of band) | 3.93% |
| Efficiency ratio | 69.74% (p60 of band) | |
| Noncurrent loans | 3.37% (p94 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | 36.95% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 91.85% (p92 of band) | |
| Auto loans | $415,000 (0.36% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 19.7% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, liquid assets <10% |  |
| 2011-06 | 4 | reserve under noncurrent |  |
| 2011-09 | 3 |  | reserve under noncurrent |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 3 |  | capital falling |
| 2012-06 | 4 | uninsured deposits leaving |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 5 | capital falling |  |
| 2013-03 | 4 |  | capital falling |
| 2013-06 | 3 |  | uninsured deposits leaving |
| 2013-09 | 4 | assets shrinking |  |
| 2013-12 | 5 | deposits shrinking |  |
| 2014-03 | 6 | uninsured deposits leaving |  |
| 2014-06 | 5 |  | uninsured deposits leaving |
| 2014-09 | 5 | reserve under noncurrent | liquid assets <10% |
| 2014-12 | 5 | liquid assets <10%, uninsured deposits leaving | assets shrinking, deposits shrinking |
| 2015-03 | 6 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2015-06 | 7 | uninsured deposits leaving |  |
| 2015-09 | 7 | capital falling | assets shrinking |
| 2015-12 | 6 |  | deposits shrinking |
| 2016-03 | 4 |  | uninsured deposits leaving, capital falling |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 5 | noncurrent p90 |  |
| 2017-03 | 7 | deposits shrinking, assets shrinking |  |
| 2017-06 | 6 |  | noncurrent p90 |
| 2017-09 | 5 |  | assets shrinking |
| 2017-12 | 6 | noncurrent p90 |  |
| 2018-03 | 5 | charge-offs p90 | deposits shrinking, noncurrent p90 |
| 2018-06 | 5 |  |  |
| 2018-09 | 5 | capital falling | liquid assets <10% |
| 2018-12 | 5 | liquid assets <10% | charge-offs p90 |
| 2019-03 | 4 |  | capital falling |
| 2019-06 | 4 | uninsured deposits leaving | reserve under noncurrent |
| 2019-09 | 5 | capital falling |  |
| 2019-12 | 5 | reserve under noncurrent | uninsured deposits leaving |
| 2020-03 | 5 |  |  |
| 2020-06 | 5 | construction >100% equity | capital falling |
| 2020-09 | 4 |  | construction >100% equity |
| 2020-12 | 3 |  | reserve under noncurrent |
| 2021-03 | 3 | charge-offs p90 | liquid assets <10% |
| 2021-06 | 2 |  | charge-offs p90 |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | assets shrinking |  |
| 2022-03 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2022-06 | 4 |  | assets shrinking |
| 2022-09 | 3 |  | wholesale funding >15% |
| 2022-12 | 6 | wholesale funding >15%, deposits shrinking, assets shrinking |  |
| 2023-03 | 5 | brokered >10% | deposits shrinking, assets shrinking |
| 2023-06 | 5 | uninsured deposits leaving | loans exceed deposits |
| 2023-09 | 5 | loans exceed deposits | uninsured deposits leaving |
| 2023-12 | 3 | uninsured deposits leaving | noncurrent p90, reserve under noncurrent, loans exceed deposits |
| 2024-03 | 4 | reserve under noncurrent |  |
| 2024-06 | 4 | noncurrent p90 | uninsured deposits leaving |
| 2024-09 | 4 | capital falling | brokered >10% |
| 2024-12 | 3 |  | wholesale funding >15% |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 1 |  | noncurrent p90 |
| 2025-09 | 3 | noncurrent p90, construction >100% equity |  |
| 2025-12 | 3 | capital falling | construction >100% equity |
| 2026-03 | 2 |  | capital falling |
| 2026-06 | 2 |  |  |

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

- 2023-04-18 [Lavy discusses Priority Bank success, Frank Broyles friendship - Talk Business & Politics](https://news.google.com/rss/articles/CBMimwFBVV95cUxNQmszcjZvSlJ4QnM2dzFCanVWSTFJaXdsQjBhUGxpTWtMenpHSi15aC1yU3RDc1hoM3F2WWJSTXpqS09RQkNWb2lhTkNlOGd6YUNVbnVxMWpuZHdQZjEtNTdFTGQyYTl2Qk9zdWpKNzNtal9fYlg2aDduYV9WYzZ5cW9lMXJ1aWFoUDVMNDVQVG5YY2tjMDdTVEdqcw?oc=5) · Talk Business &amp; Politics
- 2014-08-20 [Priority Bank Prefers Rural Communities - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMijAFBVV95cUxNMTRBU2ZORUo4bWppTUlqREV2bENnN3FLajlxNnVSdjd2QlFmeEEzOFhpLWUyOUhTOHVqOF9UY1JFWlZnUnJGSnRFV3lGTW0ybnZqRmdsWHRVbFgwNmRwRWt6d1luV09kX3NtOUR4bTNCOC1ZS2wzOWotc3Vjd3lOMU5sbkU1SnpqYlg3eA?oc=5) · Northwest Arkansas Democrat-Gazette
- 2025-09-12 [2025 AMP Women in Banking - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiaEFVX3lxTE81Sm13alpKZWpKWWFwNEpEdWtIVDZqYUxLQ2hNb2VVWDFUWDdiVUlxZUxLaTlrNHZEOHJucHlxMDlhX3F1ZjBTbW4weG4xdWpXSFd2NTJCNHlSXzJhM0dSV1RLNUZkN3Az?oc=5) · Arkansas Money &amp; Politics
- 2021-04-14 [Bonnie Sue Lavy's Obituary, Visitation & Funeral Information - Berna Funeral Homes](https://news.google.com/rss/articles/CBMic0FVX3lxTE1zNElxZkxPVzZtcy1IdXVhQ2xrc1pHV3FYWl9wXzZvVXhUeGp2UDZJYTZ1cF9Xek1ubGoyX2x2a3hhLThFbDQ5OXZteldIR18tUk9ublcwcFVRcnp4bUE2S1IxT1JKX3FIZGEzbDB2TmdJbms?oc=5) · Berna Funeral Homes
- 2025-08-06 [Prairie Grove mayor shares information on community event honoring Devil's Den murder victims - 5newsonline.com](https://news.google.com/rss/articles/CBMiigJBVV95cUxNMlRjMnR3TXRleTg1SThBVWRXdjZvWm1JbXA0OG93VGFPQ24xSFdRSHVSUU1xZ05nbjZLMEx1c0dNbVJMSTY0VTlIb05kd0FyUWpzdldLLWxhNDJoVGY0QnhzX2pGQnA5VzBJMVdlS0R1WmJCMjh0MDd6aTc2U3ZPSnB5cDk5SlNQbl9MZFVidXJuUFQweFZpc25mQTdPSGdZRHc3LUZwTXBKVXhtYTNBNW14bG5mWlpvSllPYUYxYkktMGUwVHRKYlFFbXRRZV9HUFotY3FZdzdjUzlpR0FVVkMteXI4VjBhd0NFLTRCenZRTF9UUTdTeW1lbU9fdlpSS1c1cER3aHVfQQ?oc=5) · 5newsonline.com
- 2023-10-09 [C-Suite: Scott Sandlin - Talk Business & Politics](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5nUE82empmTExHV0NjVlNIRnVMOENoWFdZRFhIX3JTbDhYLUVTM3ZmVlo5UTA1UHhSYlVxRWdMaHBjdkwySjlHUU9NV3ZLcWk1WlhXWWU4ajZCVk5xUGNOcE5qd0Ytdw?oc=5) · Talk Business &amp; Politics
- 2025-02-10 [Parham Pointe Sale Tops $20M (Real Deals) - Arkansas Business](https://news.google.com/rss/articles/CBMihwFBVV95cUxPSFNZT1hWS3B6Z0hqZ1NuWjJDOFR2Yk9mNTBHbFZHdGlVUFp2U1JWOS0tUXhNa3UyRURGeWp3SkY0UDNpdWZDZ1RYRDUzQnlPWEsxMElGY3JJOUY2dEpxUGQ3OVpDRDcyYmZ2NHdqRXdpT2JXa0ZySVlsajV2WVh6NG9BQnJTdGs?oc=5) · Arkansas Business
- 2012-10-04 [Bank Robber Gets Another 40 Years - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMigwFBVV95cUxOR1V4M2dyY2tqb2hUVGZjbEd1MXcyLVBZVmN6dFo4SnRENlVsZDEzdEpqalFNSEp5X3d0NTltSGUxWjhkaFNyRXZQUWZVdElOS252NUZ1UVh1Qm5va0hqVlpCcWd5TXExT3Bkd29GWHNsOHQxTlNCRmJMcVZZLVdLRXU3Yw?oc=5) · Northwest Arkansas Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33818 (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/26.json (key "33818", 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