# FIRST PRYORITY BANK
PRYOR, OK · FDIC certificate 4185 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $558.1M | |
| Deposits | $483.4M | |
| Loans and leases | $466.3M | |
| Total equity | $56.3M | |
| Loans / deposits | 95.22% (p82 of band) | 82.04% |
| Liquid assets / assets | 12.49% (p10 of band) | |
| Uninsured deposits / deposits | 22.47% (p38 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.69% (p46 of band) | |
| FHLB advances / assets | 2.69% | |
| Tier 1 leverage | 10.55% (p46 of band) | 10.81% |
| Unrealized securities loss / equity | -0.08% (p95 of band) | -8.10% |
| AOCI / equity | -0.08% (p67 of band) | |
| ROA (annualized) | 1.33% (p53 of band) | 1.28% |
| Net interest margin | 4.54% (p84 of band) | 3.91% |
| Efficiency ratio | 63.04% (p56 of band) | |
| Noncurrent loans | 1.69% (p85 of band) | 0.43% |
| Net charge-offs (annualized) | 0.29% (p93 of band) | |
| Reserve coverage of noncurrent | 76.31% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 126.93% (p94 of band) | |
| Auto loans | $3.7M (0.79% of loans; DQ 0.54%, NCO 0.01%) | |
| Loans to nondepository financials | $1.0M (2% of equity) (p92 of band) | |
| Deposits YoY | 8.1% | |
| Employees | 93 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | charge-offs p90 |
| 2012-03 | 1 |  | noncurrent p90 |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | noncurrent p90 |  |
| 2012-12 | 2 | capital falling | noncurrent p90 |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 3 | capital falling, noncurrent p90 |  |
| 2013-12 | 2 | losing money, charge-offs p90 | reserve under noncurrent, capital falling, noncurrent p90 |
| 2014-03 | 0 |  | losing money, charge-offs p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | capital falling, reserve under noncurrent |  |
| 2014-12 | 0 |  | capital falling, reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 1 |  | deposits shrinking, assets shrinking |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 | capital falling | uninsured deposits leaving |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 1 | uninsured deposits leaving |  |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 1 | uninsured deposits leaving |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2018-06 | 2 |  |  |
| 2018-09 | 0 |  | capital falling, charge-offs p90 |
| 2018-12 | 1 | charge-offs p90 |  |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | charge-offs p90 | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | charge-offs p90 |
| 2020-12 | 1 | charge-offs p90 | capital falling |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2022-03 | 2 | capital falling | noncurrent p90, reserve under noncurrent |
| 2022-06 | 2 | construction >100% equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | charge-offs p90 |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | charge-offs p90 |  |
| 2025-03 | 2 | reserve under noncurrent | charge-offs p90 |
| 2025-06 | 4 | noncurrent p90, charge-offs p90 |  |
| 2025-09 | 3 |  | charge-offs p90 |
| 2025-12 | 4 | charge-offs p90 |  |
| 2026-03 | 3 |  | charge-offs p90 |
| 2026-06 | 3 | charge-offs p90 | noncurrent p90 |

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

- 2025-09-29 [First Pryority Bank celebrates 125 years and opens new east Tulsa location - fox23.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxQWDByYmg5TDZCWmkydDlnS3VYQXZGOGFxY0ZHQWswQml2TGJoMXNMcERvT3JlWElLQUw2Z2x3RzQ3NGV2MEtGUkxvU1ZyWGtYc3dVOGVzNm4ycUpMYjlMcnRFOU1yTU5VaV8ySDQxaWhselBsb0ZBbnpCZnJmNDdTRF9GbllHTldOYVRvaFlGZmVJUXIta1Zadm5WTkhLNzVvSWxQTWxn?oc=5) · fox23.com
- 2024-08-07 [Totem, a Native American-focused fintech, shuts down - Banking Dive](https://news.google.com/rss/articles/CBMimwFBVV95cUxOTHdEcEk3R19iUnpKeDk5UlcwZnNMa0gyVEZLME9oZHpYQWlDMXhUZWNIWlBOMVBjeUxpdktyX09fZEQtdFN5Z3VhYks3NjJRUUcxSm44WnFXSUphZlZob2lvazV4Qy1iWXIzOTFiV0s0aVd2dE5sQndYbHUwY1RIMFEwQ1NGR29mUlh0bGZVdTZveG8tamZKeVFrNA?oc=5) · Banking Dive
- 2017-12-14 [Edmond couple indicted on 23 federal counts - journalrecord.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNR1lMT0FHalY1Z2hvUTc1TnZBWE4wU2hYT2l6aVFsZGhYeTFwc3pMZ2hKcHVYdGV5OEh1WHVncWRNTlJNWGF0UTFpX19PWG1oWnhNc1V1dy13a3A2Vlh3cDVJVHBKQlJUaUp4SUU0SEFHbnY3NGFTbjRHQTAyNFN3ZVk2VEs0WGdG?oc=5) · journalrecord.com
- 2025-04-14 [New federal rules cut off FHA loans for non-permanent U.S. resident homebuyers - News On 6](https://news.google.com/rss/articles/CBMizAFBVV95cUxQZ1FXWmNiZ3JrZWI0LWxwcDllblplV0I5WUFHbkVCOFBYVWRURGd1bDk3NEdXQWRnV0dSSWRRTHZsMm5wZFlxSVE3OC1NbVNxRDJsNXd0T3VYQ3RPODJ5ZV9KVmpObjZGNXI4OWp4UVpHVFBnNzZwWUZNOW1CSk9WbkRkY0c3SUZWbUZUeG9fNGo1dl9CZGppRE9jVEs2Q1loUVg5SkVFdXNFdVVLMzBycTZoWF9KTE8ySXd4RnowTjMzLTJhQnBKTnFKNk0?oc=5) · News On 6
- 2022-01-18 [Former researcher, once target of Oklahoma State University fraud lawsuit, faces federal trial - The Oklahoman](https://news.google.com/rss/articles/CBMizwFBVV95cUxQOU9RS2RPNmltbjFaek8zOUMwNTRrOXFfd0lpakZrM2h1VTJ2aEJuWDdzRTl5T3dpWnNyN2FSOE55amh5ekFZay1wWm8zVndGOG1TTl9HenkycDRJNmd2andRRHdUaEFxbldlX3pxNmxBR1dHYzdVdEFvV1B0OEk4aERRb2w1R3ZWTlJ3UXBnZnJ2RnMyZHVyclNIVXBjTC1COWx6MUJBaDQ4Wk54Y1BKM0tfQ0xOV2QxeXZLenhuYkpjTXluSmZ6UDRZM2NnVDQ?oc=5) · The Oklahoman
- 2015-11-19 [Wind Farm Company CEO Responds To Past Embezzlement Conviction - 5newsonline.com](https://news.google.com/rss/articles/CBMihAJBVV95cUxObWRES2JfZUhOa1lZa1ZoelBpNzRZUHRHYUxjTk5LTk1DVTZZUFFCQWtYdlRyaDN6RUhEY2FPV3l6LWs3SFZDZEJqcDJkdnJSdTNfSHl0RktoQ3VUT05tUjF1dlowT0xKRlAyUTk0TnM5LWxkbTMxTWs5RjZXQkQtNS00OXZ1cXhJT2dyTGMtby1BaWtwSkpyR1drT0JyaklVbTZxNE1XUHM1LWZyaG1KM3dZeGJGckI0V1l2OC1sZGVBQzNtZk5Ebk9nLXhGX0U3eE41RTFhWEZlZVF0NEZIZnFrQ2JKSlMwV0NqUDlQRHRVSDc2clZ2MV84NS1zd2RBMWxtMA?oc=5) · 5newsonline.com
- 2006-01-11 [Airplane broker facing past - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMilwFBVV95cUxOV3ZtQkxaVjFrUUk1ME9yR1NXWUJfNGhmOVFZYWJOeXVPaGZHZmJ2cGE1dS14U3VxR3NrcUJnNVRfTFZ1Qlp0VWVQR2VHd1haaTdmQjBtQUJNSEY0YWJDai1nckJVSkE2a1lGb1hrc1hhSDdORk1IZjZjcU5FV1pWOEV3VHM3dmdNRkVOR0wwbkh5bVFqeUtJ?oc=5) · Sarasota Herald-Tribune
- 2017-05-18 [Achievers Under 40 challenged to take leadership roles, mentor - journalrecord.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxQU0Vjb2J0V3J6eHlZU1JXTjlQcmxiUl8wUDV1YlJGLXZEcm9ncGx3dFB0YjU4VDl3bW1GUG9sdU9PcUkzN3BmS2xhb1FBYmpWaHVSWEk0NUF3cWFRT3g4RnVhWXQ3VjB6a20tUE5ZYVppOEctNVRXV0pfcUlSanVrVGNXOGlobGJWblhVbnlOaXZzcWh0ejItV0hwWk1ISmNS?oc=5) · journalrecord.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4185 (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/25.json (key "4185", 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