# PRISM BANK
GUTHRIE, OK · FDIC certificate 5994 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $720.9M | |
| Deposits | $639.6M | |
| Loans and leases | $616.4M | |
| Total equity | $68.1M | |
| Loans / deposits | 95.29% (p82 of band) | 82.04% |
| Liquid assets / assets | 13.45% (p13 of band) | |
| Uninsured deposits / deposits | 33.51% (p75 of band) | 25.97% |
| Brokered deposits | 16.99% | |
| Wholesale funding | 18.31% (p92 of band) | |
| FHLB advances / assets | 1.32% | |
| Tier 1 leverage | 10.08% (p37 of band) | 10.81% |
| Unrealized securities loss / equity | -0.56% (p89 of band) | -8.10% |
| AOCI / equity | -0.57% (p38 of band) | |
| ROA (annualized) | 0.91% (p27 of band) | 1.28% |
| Net interest margin | 3.43% (p25 of band) | 3.91% |
| Efficiency ratio | 59.98% (p46 of band) | |
| Noncurrent loans | 0.49% (p54 of band) | 0.43% |
| Net charge-offs (annualized) | -0.02% (p6 of band) | |
| Reserve coverage of noncurrent | 229.13% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 20.33% (p25 of band) | |
| Auto loans | $694,000 (0.11% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 39.6% | |
| Employees | 62 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | losing money, expense ratio p90 |  |
| 2013-06 | 4 | capital falling |  |
| 2013-09 | 3 |  | capital falling |
| 2013-12 | 2 |  | expense ratio p90 |
| 2014-03 | 1 |  | losing money |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 2 | liquid assets <10%, capital falling |  |
| 2015-12 | 3 | charge-offs p90, reserve under noncurrent | capital falling |
| 2016-03 | 2 |  | charge-offs p90 |
| 2016-06 | 4 | capital falling, expense ratio p90 |  |
| 2016-09 | 1 |  | reserve under noncurrent, capital falling, expense ratio p90 |
| 2016-12 | 3 | reserve under noncurrent, construction >100% equity |  |
| 2017-03 | 2 |  | construction >100% equity |
| 2017-06 | 2 | construction >100% equity | liquid assets <10% |
| 2017-09 | 1 |  | construction >100% equity |
| 2017-12 | 2 | liquid assets <10% |  |
| 2018-03 | 1 |  | liquid assets <10% |
| 2018-06 | 5 | capital falling, losing money, deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2018-09 | 4 |  | capital falling |
| 2018-12 | 6 | charge-offs p90, reserve under noncurrent |  |
| 2019-03 | 5 | expense ratio p90 | losing money, charge-offs p90 |
| 2019-06 | 3 | charge-offs p90 | deposits shrinking, assets shrinking, reserve under noncurrent |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 | reserve under noncurrent | uninsured deposits leaving, charge-offs p90 |
| 2020-03 | 2 | losing money | reserve under noncurrent |
| 2020-06 | 0 |  | expense ratio p90, losing money |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | charge-offs p90 |  |
| 2021-03 | 1 | capital falling | charge-offs p90 |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | charge-offs p90 |  |
| 2022-09 | 3 | loans exceed deposits, capital falling |  |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 4 | uninsured deposits >50%, brokered >10%, wholesale funding >15%, run vulnerability | charge-offs p90, loans exceed deposits |
| 2023-06 | 3 | capital falling | uninsured deposits >50%, run vulnerability |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 1 |  | wholesale funding >15% |
| 2024-03 | 5 | loans exceed deposits, uninsured deposits >50%, run vulnerability, charge-offs p90 |  |
| 2024-06 | 1 |  | loans exceed deposits, uninsured deposits >50%, run vulnerability, charge-offs p90 |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | brokered >10% |
| 2025-03 | 1 | brokered >10% |  |
| 2025-06 | 4 | wholesale funding >15%, capital falling, charge-offs p90 |  |
| 2025-09 | 3 |  | charge-offs p90 |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 | loans exceed deposits | capital falling |
| 2026-06 | 2 |  | loans exceed deposits |

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

- 2025-09-24 [Prism Bank breaks ground on new OKC headquarters - journalrecord.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE1rUFV0dVZ1OHl5bGhrSTdBZDk0VnVMbTFGRFJ0aWpaZG5rc0ltd2F0UWZObGNkOXgxcXBmcjRYRERmbmdEcER4N0JQejNIWV84d2hXTENpNDBXbEFRQVZZTzBySHRreng2bkZ0REZJcVhJQzg?oc=5) · journalrecord.com
- 2025-09-23 [Prism Bank Breaks Ground on New Headquarters in Oklahoma City's Flatiron District - PR Newswire](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNN0hGTHpDQXFvRHVubTFpVGl5aFA2MzZpY0hsT2xZQnY0WU9tRXRWdHpJMVhqcFZ6ZHJjNVFNSzI5T0VZbktIdlhOeUQzb3lhS3pycV9rZ2g1Y3hiTzFldTBjN1RjSVAxZHNFNFRiZWwxTUQ4MjFhY3pKNUpKcldkRU1ENWNoTkhFNkJQekFqV0RVcmtpUzdnQUV2YTR2cVRkcDdMYWtHWU5zVlJHd3FxbWlLb2l4NkVpRXdQVDVuc1hWcndIR2FiV3J0VHRweFREY3c?oc=5) · PR Newswire
- 2025-10-06 [Berry Rock leads Flatiron District development as Prism Bank breaks ground on new headquarters - News 9](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPZm1wOFpySDl5dWdTY0l0SVNSNjR1QmFzcko0WktGZ0NxZmphSS1hZXpTOWVfeUhKOW5JdVNfVTdIU0kyd2VsS0hhUTZHMXEzaU03bXBsa01INWkzcmQ5dFNsUnpOY0tGR19ZeVJMTVZkQlljZHhkbFZoQ1Y1V0dVSnJtNjZDT1h1VjN6VFZsVnNESHhZVEtXckJJTVNTaVE3TnR4QnlyZlJKdFFGMFRab3I2X3A0d3Z4R1dhNGpqVWpjUQ?oc=5) · News 9
- 2026-01-05 [PRESS RELEASE: Landmark OKC Flatiron District project begins Downtown - Oklahoma City Free Press](https://news.google.com/rss/articles/CBMimgFBVV95cUxNcGtsS2FlSlFFVnhQUU5zM2xSZjdmTC1TUGlqdUJYdEJENEZSZ09lODBvN3J4a1ZnSGJoUWE5SlRFdlphbzRieXJhY0ZXdmhLOWd2eDdxSHFnYW9OTFpTdXJvRTlZN2lCV3BlbEYteVRtQ3l5dTNLbjJmTmR6U1FSV1pwSkNiMktNMTlCS1U4R2tkb2tUWWwzWWNn?oc=5) · Oklahoma City Free Press
- 2026-02-12 [Straw-Owner, Diversion Enterprise Shut Down in OK - CRB Monitor News](https://news.google.com/rss/articles/CBMijgFBVV95cUxNTGJ6X1dNbXJ6NzlOUUw5cGUyZTc5OXlGeE81cnR6SGpqbWdlcnFja19WQV9wZE1TdHRyTmVEd3huYmdacG1CbTJESVhpSDZHTERQX0hCUDZTU2pwYTlYUjJYMFRhSWc2WlFpN2JjXzJLNWdlLWxoNW1KNnY1eEVTbWlNUXB4YjZQWWQxRDdB?oc=5) · CRB Monitor News
- 2025-09-25 [News | New headquarters building for Prism Bank, Berry Rock underway in Oklahoma City - costar.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOVXJNTDFLbllTZjE4M19RS1A0VU5aOWJlQXlwNXJ5WVNsSGNKQm01QWdmYjJOSTlxZmlUUU1jaUpFOFJwRzd2NXNqakZoYVlKZ1hTbVQxTGhDNGdZQ3ZXU0lXaEIyY0lCSGNvSVE1VHVfT2Y4WFR5T24zaWNFY1FWNGQzS3Vzc2x1bC1YS2pacDNPWlZ5VXVISEp4V1gwVm1zVFQtX01FQnlBSVMwSl9yaXhtenJIdUFlYzg4?oc=5) · costar.com
- 2023-09-18 [Introducing Prism Bank - Oklahoma State Bank Unveils New Brand - PR Newswire](https://news.google.com/rss/articles/CBMiugFBVV95cUxNdVBjY2VkWmk3c2JrSk9NUnlUcENmakd0a045TTBJRlMyRURhTE45d0RjQ0dQelJiY1p0bDd0TkV3SmpqMmVNZ2p2NDF5a0lWNmJPMXBKaHNMbE9IdFdTWmdkSHVEcXB0eTRyT3hqRzd6NWxhR2o4NVg0TURvbGZzZl82MmJGbi1vR2RaazlHSnV3UlMyb3ktMFlGNDVrVGJjTmZsUzFpOVVEeDQ4eUozVlN5dXNtVWZ4QVE?oc=5) · PR Newswire
- 2026-03-20 [What's that? Inside 5 major builds under construction in downtown OKC - The Oklahoman](https://news.google.com/rss/articles/CBMixwFBVV95cUxPb01WU0NYMDVPZU5rZ2NsY05Nc01nb2YxNlQyRF9GSTBhMTF5Qy1VQWdPcGpOTTVUbFlXeHYxd1Fqd0JJekVjUEtWRHYxa19FWklfbmRBTlI5OWxsSzR4V1VScDJXRUUzQWNPOXBjQjJXTUV3SmhQc05TekFLdG9XcHc1SmgzUHZsYnlfa2N0Tkk0ZE9IWmFiS3pMTU1ZNjE1cVlPRDFWaHVjeXpqODhiMTNEaFVycEpzMzZpeGdUTzBCVlptMzVr?oc=5) · The Oklahoman

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5994 (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/42.json (key "5994", 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