Priorityone Bank (FDIC #21906): Bank Stress & Real-Estate Credit Exposure

Priorityone Bank (FDIC Cert #21906): bank stress 43/100, contained, STABLE over 7 days; parent PRIORITYONE CAPITAL CORP.

Priorityone Bank (#21906) lends in 6 counties across 1 state; Priorityone Bank (#21906) reaches 50 ZIP codes: Mississippi 6 counties, 50 ZIPs.

Priorityone Bank (#21906) largest markets: Rankin County, MS (56 branches, 14 ZIPs) (#21906), Madison County, MS (24 branches, 12 ZIPs) (#21906), Scott County, MS (10 branches, 10 ZIPs) (#21906), Simpson County, MS (30 branches, 10 ZIPs) (#21906), Covington County, MS (24 branches, 8 ZIPs) (#21906), Lamar County, MS (24 branches, 6 ZIPs) (#21906).

Priorityone Bank (#21906) reports $1.18 billion in total assets; Priorityone Bank (#21906) equity $140.7 million (11.9% of Priorityone Bank (#21906) assets); Priorityone Bank (#21906) domestic deposits $1.03 billion; Priorityone Bank (#21906) net income $11.9 million; Priorityone Bank (#21906) return on assets 2.03%; Priorityone Bank (#21906) return on equity 17.02%; Priorityone Bank (#21906) net interest income $26.7 million; Priorityone Bank (#21906) call report June 30, 2026.

Priorityone Bank (#21906) noncurrent real-estate loans 0.10% of its book; Priorityone Bank (#21906) residential 0.16%; Priorityone Bank (#21906) net charge-offs on real estate 1.65%; Priorityone Bank (#21906) residential charge-offs 2.17%.

Priorityone Bank (#21906) net interest margin 4.91% against an eight-quarter Priorityone Bank (#21906) average of 4.57% (Priorityone Bank (#21906) compression -0.34 points); Priorityone Bank (#21906) real-estate loans 9.7% of equity; Priorityone Bank (#21906) non-residential real estate 216.7% of equity; Priorityone Bank (#21906) rate-exposure score 40/100, Priorityone Bank (#21906) fixed-rate trap 40/100; Priorityone Bank (#21906) risk type credit driven; Priorityone Bank (#21906) rate regime rates elevated, Priorityone Bank (#21906) snapshot October 19, 2026.

Priorityone Bank (#21906) stress score moved from 44.7 on June 22, 2026 to 43.3 on October 20, 2026; Priorityone Bank (#21906) ranged 43.3 to 44.7 over 117 snapshots.

Priorityone Bank (#21906) alerts: 6 counties; top Priorityone Bank (#21906) alert scores: Mendenhall County, MS 17 (low); Morton County, MS 17 (low); Richland County, MS 17 (low); Ridgeland County, MS 17 (low); Seminary County, MS 17 (low).