BlastPoint's Banking Scorecard
Premier Bank National Association
Omaha, NE
5 branches across NE
Premier Bank National Association has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.12% above tier average
- + Net Interest Margin 0.41% above tier average
- + Efficiency Ratio 1.61% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 53.1% in tier
- - Cost Spiral: Bottom 76.2% in tier
- - Delinquency Rate 0.83% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$358.0M
+4.9% YoY
+6.3% QoQ
|
-$28.1M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
55% |
| Total Loans ? |
$244.0M
-8.0% YoY
-5.1% QoQ
|
-$11.7M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$313.9M
+6.8% YoY
+9.0% QoQ
|
-$14.1M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
57% |
| Return on Assets ? |
1.39%
-12.3% YoY
+47.2% QoQ
|
+0.12% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
62% |
| Net Interest Margin ? |
4.34%
-4.6% YoY
-5.6% QoQ
|
+0.41% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
63.67%
+18.8% YoY
+17.6% QoQ
|
-1.61% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
49% |
| Delinquency Rate ? |
1.71%
+4.8% QoQ
|
+0.83% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
77.75%
-13.9% YoY
-12.9% QoQ
|
+1.11% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
26.87%
-12.8% YoY
-4.6% QoQ
|
+4.85% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
73% |
| Nonperforming Asset Ratio ? |
1.17%
-6.5% QoQ
|
+0.53% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
16% |
| Tier 1 Capital Ratio ? |
12.38%
-8.9% YoY
+3.4% QoQ
|
-3.45% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.09%
+29.2% YoY
-76.8% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
44% |
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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 (0)
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.