TellerScore

PriorityOne Bank (FDIC certificate #21906) is based in Magee, Mississippi. Its Q2 2026 call report shows $1.2B in total assets and $1.0B in deposits and 18 offices.

Based on its Q2 2026 filing, PriorityOne Bank scores 70/100, which we describe as strong. That is higher than 58% of 897 banks with $1 billion – $10 billion. Among 57 banks headquartered in Mississippi, it ranks 29th. Its strongest component is earnings (100/100; 2.03%), and its lowest is loan quality (47/100; 1.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Tier 1 leverage ratio: 11.89%
Loan quality47/100
Noncurrent loans ÷ total loans: 1.58%
Earnings100/100
Return on assets (annualized): 2.03%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 88.9% · 20.8% uninsured
Problem-loan coverage78/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.98%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 9 points (79 → 70), mostly because the loan quality component weakened by 38 points.

TellerScore
707681Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202473
Q4 202473
Q1 202577
Q2 202579
Q3 202578
Q4 202579
Q1 202681
Q2 202670
Tier 1 leverage ratio
5.00%8.60%12.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.78%
Q3 202410.78%
Q4 202411.08%
Q1 202511.46%
Q2 202511.61%
Q3 202511.92%
Q4 202512.20%
Q1 202612.16%
Q2 202611.89%
Noncurrent loans
0.43%1.01%1.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.72%
Q3 20240.44%
Q4 20240.53%
Q1 20250.43%
Q2 20250.46%
Q3 20250.56%
Q4 20250.51%
Q1 20260.46%
Q2 20261.58%
Return on assets
1.40%1.72%2.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.40%
Q3 20241.44%
Q4 20241.44%
Q1 20251.54%
Q2 20251.81%
Q3 20251.82%
Q4 20251.80%
Q1 20261.91%
Q2 20262.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$1.2B11.89%1.58%2.03%88.9%
Q1 202681$1.2B12.16%0.46%1.91%89.7%
Q4 202579$1.1B12.20%0.51%1.80%97.7%
Q3 202578$1.1B11.92%0.56%1.82%92.7%
Q2 202579$1.1B11.61%0.46%1.81%89.8%
Q1 202577$1.2B11.46%0.43%1.54%87.0%
Q4 202473$1.1B11.08%0.53%1.44%93.6%
Q3 202473$1.1B10.78%0.44%1.44%92.6%
Q2 202470$1.1B10.78%0.72%1.40%90.3%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.89%
75th
Total risk-based capital0.00%
13th
Problem loans1.58%
14th
Net charge-offs0.17%
22nd
Return on assets2.03%
90th
Net interest margin4.91%
93rd
Efficiency ratio60.3%
46th
Loans to deposits88.9%
46th
Uninsured deposits20.8%
81st
Loan-loss reserves1.45%
84th
Texas ratio11.0%
14th

Similar-size banks in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of CommerceBank Greenwood, MS72 out of 100, Strong$1.1B12.9%0.88%vs
TownBridge BankBank Pascagoula, MS61 out of 100, Moderate$1.3B8.8%1.94%vs
Story Bank DBA Story Financial PartnersBank Jackson, MS66 out of 100, Moderate$1.0B10.8%0.37%vs
The Citizens Bank of Philadelphia, MississippiBank Philadelphia, MS66 out of 100, Moderate$1.6B9.1%0.47%vs
The Citizens National Bank of MeridianBank Meridian, MS70 out of 100, Strong$1.9B11.3%0.87%vs
Planters Bank & Trust CompanyBank Indianola, MS71 out of 100, Strong$2.7B11.2%0.61%vs

Deposit insurance

Is my money safe at PriorityOne Bank?

Yes. PriorityOne Bank is an FDIC-insured institution (FDIC certificate #21906). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.8% of deposits ($214.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.89%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

18 locations

Branches

PriorityOne Bank lists 17 offices in 14 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, PriorityOne Bank reported 779 home-loan applications under HMDA (LEI 549300CYL5ZW4ISL7T55): 629 originated ($136,335,000 total), 65 denied, and 73 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
PriorityOne Bank
Former names
Bank of Simpson County; Citizens State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
21906
RSSD ID
956938
Primary regulator
FED
Holding company
Priorityone Capital Corp
Established
January 27, 1975
Headquarters
220 Main Ave N, Magee, MS 39111
Employees
243

Quick answers

PriorityOne Bank: common questions

Is PriorityOne Bank FDIC insured?

Yes. PriorityOne Bank is an FDIC-insured institution (FDIC certificate #21906). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is PriorityOne Bank's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has PriorityOne Bank ever failed?

There is no failure record for FDIC certificate #21906 in the FDIC failed bank list.

How many branches does PriorityOne Bank have?

18 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Magee

InstitutionScoreAssetsCapitalProblem loansCompare
Copiah BankBank Hazlehurst, MS78 out of 100, Strong$332.2M11.8%0.19%vs
Covington County BankBank Collins, MS77 out of 100, Strong$109.2M13.8%0.99%vs
BankFirst Financial ServicesBank Columbus, MS69 out of 100, Moderate$3.3B10.9%0.77%vs
Regions BankBank Birmingham, AL64 out of 100, Moderate$159.8B9.5%0.93%vs
Community Bank of MississippiBank Flowood, MS64 out of 100, Moderate$5.1B8.3%0.25%vs
Hancock Whitney BankBank Gulfport, MS64 out of 100, Moderate$36.3B10.6%0.57%vs