TellerScore

Prism Bank (FDIC certificate #5994) is based in Guthrie, Oklahoma. Its Q2 2026 call report shows $720.9M in total assets and $639.6M in deposits and 2 offices.

Prism Bank has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 119th. Problem-loan coverage contributes the most (92/100, 4.1%); funding & liquidity contributes the least (44/100, 95% loans-to-deposits, 34% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.08%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.49%
Earnings56/100
Return on assets (annualized): 0.91%
Funding & liquidity44/100
Loans ÷ deposits and uninsured-deposit share: 95.3% · 33.5% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.05%

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 rose 2 points (61 → 63), mostly because the loan quality component improved by 7 points.

TellerScore
596264Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202462
Q4 202459
Q1 202564
Q2 202561
Q3 202563
Q4 202563
Q1 202662
Q2 202663
Tier 1 leverage ratio
5.00%8.24%11.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.16%
Q3 202411.46%
Q4 202411.47%
Q1 202511.00%
Q2 202510.52%
Q3 202510.05%
Q4 202510.05%
Q1 202610.28%
Q2 202610.08%
Noncurrent loans
0.38%0.62%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.38%
Q3 20240.54%
Q4 20240.87%
Q1 20250.45%
Q2 20250.70%
Q3 20250.60%
Q4 20250.63%
Q1 20260.63%
Q2 20260.49%
Return on assets
0.24%0.62%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.24%
Q3 20240.31%
Q4 20240.30%
Q1 20250.70%
Q2 20250.78%
Q3 20251.00%
Q4 20250.98%
Q1 20260.85%
Q2 20260.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$720.9M10.08%0.49%0.91%95.3%
Q1 202662$640.7M10.28%0.63%0.85%100.3%
Q4 202563$645.3M10.05%0.63%0.98%94.8%
Q3 202563$562.1M10.05%0.60%1.00%94.5%
Q2 202561$518.6M10.52%0.70%0.78%97.1%
Q1 202564$468.6M11.00%0.45%0.70%98.6%
Q4 202459$459.7M11.47%0.87%0.30%98.9%
Q3 202462$393.5M11.46%0.54%0.31%96.2%
Q2 202462$354.7M11.16%0.38%0.24%97.6%

2,650 peers · $100 million – $1 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 ratio10.08%
33rd
Total risk-based capital12.44%
54th
Problem loans0.49%
46th
Net charge-offs-0.02%
92nd
Return on assets0.91%
29th
Net interest margin3.43%
25th
Efficiency ratio60.0%
57th
Loans to deposits95.3%
16th
Uninsured deposits33.5%
20th
Loan-loss reserves1.13%
42nd
Texas ratio4.1%
41st

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Grand BankBank Tulsa, OK73 out of 100, Strong$712.8M10.3%0.00%vs
American Nation BankBank Ardmore, OK76 out of 100, Strong$691.5M10.3%0.06%vs
First National Bank and Trust Company of ArdmoreBank Ardmore, OK79 out of 100, Strong$686.7M10.1%0.03%vs
Legacy BankBank Hinton, OK36 out of 100, Low$686.5M8.5%3.22%vs
FirstBankBank Antlers, OK69 out of 100, Moderate$684.3M10.8%0.82%vs
First Bank of OwassoBank Owasso, OK93 out of 100, Very strong$639.3M15.7%0.01%vs

Deposit insurance

Is my money safe at Prism Bank?

Yes. Prism Bank is an FDIC-insured institution (FDIC certificate #5994). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.5% of deposits ($214.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.44% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Prism Bank lists 1 office in 1 city. Most locations:

  • Guthrie, OK (1)

All branch addresses and map

Identity & history

Profile

Legal name
Prism Bank
Former names
Oklahoma State Bank; The Oklahoma State Bank Mulhall Oklahoma
Type
State-chartered bank
FDIC certificate #
5994
RSSD ID
905356
Primary regulator
FDIC
Holding company
Wdco Ventures Llc
Established
January 1, 1909
Headquarters
2610 S Division St, Guthrie, OK 73044
Employees
62

Quick answers

Prism Bank: common questions

Is Prism Bank FDIC insured?

Yes. Prism Bank is an FDIC-insured institution (FDIC certificate #5994). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Prism Bank's TellerScore?

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

Has Prism Bank ever failed?

There is no failure record for FDIC certificate #5994 in the FDIC failed bank list.

How many branches does Prism Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Guthrie

InstitutionScoreAssetsCapitalProblem loansCompare
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
Tinker Federal Credit UnionCredit union Oklahoma City, OK83 out of 100, Strong$6.1B14.7%0.63%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
The Payne County BankBank Perkins, OK83 out of 100, Strong$313.2M14.4%1.09%vs
Kirkpatrick BankBank Edmond, OK79 out of 100, Strong$1.0B10.7%0.00%vs