BlastPoint's Banking Scorecard
PriorityOne Bank
Community
Specialty: Commercial
MS
FDIC cert 21906
Magee, MS
1484
banks in Community tier nationally
21 in MS
View Community leaderboard (MS) →
PriorityOne Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 34% in Community
- + Revenue Diversifier: Top 35% in Community
- + Net Interest Margin 1.06% above tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 20% in Community
- - Liquidity Strain: Bottom 21% in Community
- - Deposit Outflow: Bottom 34% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+1.0% YoY
+1.6% QoQ
|
-$246.2M |
$1.4B
+2.0% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$893.0M
+1.0% YoY
+2.1% QoQ
|
-$82.5M |
$975.5M
+2.4% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$913.7M
-3.3% YoY
-3.1% QoQ
|
-$250.9M |
$1.2B
+1.7% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
1.80%
+25.4% YoY
-1.2% QoQ
|
+0.64% |
1.16%
+17.2% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
4.72%
+12.3% YoY
+0.8% QoQ
|
+1.06% |
3.66%
+9.1% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
62.14%
-6.1% YoY
-2.1% QoQ
|
-0.50% |
62.63%
-5.3% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? |
0.52%
-3.2% YoY
-8.5% QoQ
|
-0.11% |
0.63%
+18.3% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
97.73%
+4.4% YoY
+5.4% QoQ
|
+14.66% |
83.06%
+0.3% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
22.28%
-0.8% YoY
+4.2% QoQ
|
+1.23% |
21.05%
-0.9% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.50%
+3.5% YoY
+9.5% QoQ
|
0 |
0.50%
+20.3% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.14%
-4.7% YoY
+33.4% QoQ
|
+0.40% |
0.74%
-1.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#127 of 371 · Top 34% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.80%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#130 of 371 · Top 35% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.14%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.80%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Top 9%
in Community
Why this stands out
Current:
4.72%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (3)
Capital Thin
risk
#88 of 432 · Bottom 20% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Liquidity Strain
risk
#111 of 513 · Bottom 21% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
97.73%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Deposit Outflow
decline
#85 of 248 · Bottom 34% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Net Interest Margin
Current: 4.72% · Tier avg: 3.66%
89
89th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.74%
86
86th pctile
Return on Assets
Current: 1.80% · Tier avg: 1.16%
83
83th pctile
Loan-to-Deposit Ratio
Current: 97.73% · Tier avg: 83.06%
64
64th pctile
Total Loans
Current: $893.0M · Tier avg: $975.5M
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.28% · Tier avg: 21.05%
58
58th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
54
54th pctile
Total Deposits
Current: $913.7M · Tier avg: $1.2B
50
50th pctile
Efficiency Ratio
Current: 62.14% · Tier avg: 62.63%
45
45th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
45
45th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
50
50th pctile
Efficiency Ratio
Current: 62.14% · Tier avg: 62.63%
54
54th pctile
Total Deposits
Current: $913.7M · Tier avg: $1.2B
58
58th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.28% · Tier avg: 21.05%
64
64th pctile
Total Loans
Current: $893.0M · Tier avg: $975.5M
83
83th pctile
Loan-to-Deposit Ratio
Current: 97.73% · Tier avg: 83.06%
86
86th pctile
Return on Assets
Current: 1.80% · Tier avg: 1.16%
89
89th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.74%
91
91th pctile
Net Interest Margin
Current: 4.72% · Tier avg: 3.66%