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Valley Premier Bank

$100M-$1B Specialty: Agricultural MN FDIC cert 11409

Hawley, MN

2 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits -4.7% year over year ($127.7M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.44%.
  • Efficiency ratio 61.21% vs a 64.48% peer average.
  • Loan-to-deposit ratio 70.07% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

Valley Premier Bank has 4 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 28.1% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.12% above tier average
  • + Efficiency Ratio 3.27% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 9.9% in tier
  • - Capital Thin: Bottom 14.8% in tier
  • - Non-Interest Income / Assets 0.50% below tier average
  • - Net Interest Margin 0.22% below tier average
Get updates when Valley Premier Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $141.0M
-3.0% YoY -3.5% QoQ
-$245.6M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
Bottom 11.7% in tier
Total Loans ? $89.5M
+5.9% YoY +4.7% QoQ
-$168.9M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
Bottom 14.6% in tier
Total Deposits ? $127.7M
-4.7% YoY -3.8% QoQ
-$199.1M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
Bottom 14.8% in tier
Return on Assets ? 1.44%
+16.4% YoY -3.4% QoQ
+0.12% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
62%
Net Interest Margin ? 3.77%
+8.5% YoY +0.9% QoQ
-0.22% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
40%
Efficiency Ratio ? 61.21%
-5.8% YoY +3.2% QoQ
-3.27% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
54%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 70.07%
+11.0% YoY +8.9% QoQ
-7.88% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
69%
Non-Interest-Bearing Deposit Share ? 22.70%
-7.2% YoY -6.7% QoQ
+0.67% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
58%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 11.13%
+9.3% YoY +5.3% QoQ
-4.78% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
25%
Non-Interest Income / Assets ? 0.06%
-25.0% YoY +112.1% QoQ
-0.50% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
Bottom 8.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 22.7%
-1.8pp YoY
-1.6pp QoQ
 +0.6pp 22.1% 21.9% 22.2% 58%
Brokered Deposits n/a n/a 7.9% 8.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 18.3%
-2.6pp YoY
-0.5pp QoQ
 +6.7pp 11.6% 14.6% 12.5% 84%
CRE 16.6%
-0.8pp YoY
-0.7pp QoQ
 -22.9pp 39.5% 36.5% 41.4% 13%
1-4 Family 34.0%
+1.3pp YoY
-1.5pp QoQ
 +1.4pp 32.6% 29.4% 31.3% 59%
Consumer 5.4%
-0.6pp YoY
0.0pp QoQ
 +1.3pp 4.1% 4.5% 5.0% 79%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 11.1%
+0.9pp YoY
+0.6pp QoQ
 -1.0pp 12.2% 11.0% 12.6% 52%
Total Capital Ratio n/a n/a 19.9% 17.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 26
0 YoY
+3 (+13.0%) QoQ
 -33 58 55 482 21%
Assets per Employee ($) $5.4M
-3.0% YoY
-14.7% QoQ
 -$2.1M $7.5M $8.6M $8.8M 21%
Branch Count 2
0 YoY
0 QoQ
 -3 4 4 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 20.41x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 16.3%
-0.5pp YoY
-0.8pp QoQ
 +4.1pp 12.2% 13.1% 11.6% 74%
Cost of Funds (YTD) 1.4%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.7% 1.7% 30%
Net Income ($, YTD) $1.0M
+22.3% YoY
— QoQ
 -$1.5M $2.6M $4.5M $40.4M 28%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#186 of 659 • Top 28.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Deposit Outflow

decline
#54 of 535 • Bottom 9.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Capital Thin

risk
#99 of 661 • Bottom 14.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.13%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B

Top Weaknesses (5 metrics)

2431
Non-Interest Income / Assets
revenue_mix
Value: 0.06%
Peer Median: 0.57%
#2431 of 2643 Bottom 8.1% in $100M-$1B
2336
Total Assets
size
Value: $141.01M
Peer Median: $386.57M
#2336 of 2643 Bottom 11.7% in $100M-$1B
2259
Total Loans
size
Value: $89.47M
Peer Median: $258.35M
#2259 of 2643 Bottom 14.6% in $100M-$1B
2253
Total Deposits
size
Value: $127.67M
Peer Median: $326.73M
#2253 of 2643 Bottom 14.8% in $100M-$1B
1987
Tier 1 Capital Ratio
capital
Value: 11.13%
Peer Median: 15.91%
#1987 of 2643 Bottom 24.9% in $100M-$1B
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