Prism Bank: how it compares with its peers
Against 50 OK banks with half to twice its assets, Prism Bank's strongest measure in Q2 2026 is assets per employee ($11.6M vs. a $6.7M peer median). Its weakest relative measure is net interest margin (3.43% vs. 4.17%).
| Measure | Prism Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.91% | 1.44% | Bottom third Ahead of 20% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.43% | 4.17% | Bottom third Ahead of 10% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.98% | 62.40% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.6M | $6.7M | Top third Ahead of 88% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.29% | 79.41% | Context |
What it means for lending operations
Its efficiency ratio of 59.98% is better than the 62.40% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Grand Bank Tulsa, OK · $713M
- American Nation Bank Ardmore, OK · $691M
- First National Bank and Trust Company of Ardmore Ardmore, OK · $687M
- Legacy Bank Hinton, OK · $686M
- FirstBank Antlers, OK · $684M
- First Bank of Owasso Owasso, OK · $639M
Questions about Prism Bank
How big is Prism Bank?
Prism Bank, established in 1909, is headquartered in Guthrie, OK. It reported $721M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Prism Bank's return on assets?
0.91% annualized in Q2 2026, against a 1.44% median for 50 OK banks with half to twice its assets, ahead of 20% of them.
What is Prism Bank's efficiency ratio?
59.98% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 62.40%, and lower is better.
Is Prism Bank growing its loans?
Net loans grew 37.0% over the year to Q2 2026, while deposits grew 39.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.