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Premier Bank National Association

$100M-$1B Specialty: Commercial NE FDIC cert 12493

Omaha, NE

5 branches across NE

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 81 in NE.
  • Deposits +0.5% year over year ($297.1M on the books).
  • Delinquency rate 1.23%.
  • Return on assets 1.43%.
  • Efficiency ratio 62.14% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.27% 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 81 in NE
View $100M-$1B leaderboard (NE) →

Premier Bank National Association has 3 strengths but faces 3 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

  • + ROA 0.11% above tier average
  • + Net Interest Margin 0.42% above tier average
  • + Efficiency Ratio 2.34% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 49.8% in tier
  • - Cost Spiral: Bottom 67.4% in tier
  • - Delinquency Rate 0.31% above tier average
Get updates when Premier Bank National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $342.4M
-0.5% YoY -4.3% QoQ
-$44.2M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
53%
Total Loans ? $244.4M
-5.2% YoY +0.1% QoQ
-$13.9M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
58%
Total Deposits ? $297.1M
+0.5% YoY -5.3% QoQ
-$29.6M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
54%
Return on Assets ? 1.43%
-10.2% YoY +2.6% QoQ
+0.11% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
61%
Net Interest Margin ? 4.40%
-3.5% YoY +1.5% QoQ
+0.42% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
75%
Efficiency Ratio ? 62.14%
+16.1% YoY -2.4% QoQ
-2.34% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
51%
Delinquency Rate ? 1.23%
-28.5% QoQ
+0.31% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
24%
Loan-to-Deposit Ratio ? 82.27%
-5.7% YoY +5.8% QoQ
+4.31% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
45%
Non-Interest-Bearing Deposit Share ? 30.27%
+4.7% YoY +12.6% QoQ
+8.24% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
83%
Nonperforming Asset Ratio ? 0.88%
-25.1% QoQ
+0.21% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
24%
Tier 1 Capital Ratio ? 12.59%
-8.4% YoY +1.7% QoQ
-3.32% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
43%
Non-Interest Income / Assets ? 0.18%
+25.8% YoY +112.1% QoQ
-0.38% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
45%

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 (NE) National Avg Tier Percentile
Noninterest-Bearing 30.3%
+1.4pp YoY
+3.4pp QoQ
 +8.1pp 22.1% 17.6% 22.2% 83%
Brokered Deposits 2.6%
+0.8pp YoY
0.0pp QoQ
 -5.3pp 7.9% 8.9% 8.5% 35%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 9.6%
+2.1pp YoY
+0.8pp QoQ
 -2.0pp 11.6% 12.3% 12.5% 50%
CRE 78.2%
-0.5pp YoY
+1.6pp QoQ
 +38.6pp 39.5% 32.3% 41.4% 97%
1-4 Family 12.9%
-1.8pp YoY
-2.5pp QoQ
 -19.7pp 32.6% 16.9% 31.3% 16%
Consumer 0.1%
-0.1pp YoY
0.0pp QoQ
 -4.0pp 4.1% 3.1% 5.0% 6%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.1% 19.7% n/a
Leverage Ratio 12.6%
-1.1pp YoY
+0.2pp QoQ
 +0.4pp 12.2% 12.1% 12.6% 71%
Total Capital Ratio n/a n/a 19.9% 17.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 45
-2 (-4.3%) YoY
-1 (-2.2%) QoQ
 -14 58 98 482 47%
Assets per Employee ($) $7.6M
+3.9% YoY
-2.2% QoQ
 +$91K $7.5M $8.5M $8.8M 62%
Branch Count 5
0 YoY
0 QoQ
 0 4 7 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 37%
Nonaccrual 1.2%
-0.5pp QoQ
 +0.2pp 0.9% 0.8% 1.0% 75%
Allowance Coverage 1.03x
-97.5% YoY
+34.6% QoQ
 -23.12x 24.15x 31.69x 20.23x 28%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 11.7%
-0.3pp YoY
+0.1pp QoQ
 -0.5pp 12.2% 12.3% 11.6% 48%
Cost of Funds (YTD) 1.4%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.9% 1.7% 27%
Net Income ($, YTD) $2.5M
-8.8% YoY
— QoQ
 -$85K $2.6M $6.1M $40.4M 61%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline
#154 of 307 • Bottom 49.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.43%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Cost Spiral

risk
#94 of 138 • Bottom 67.4% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 62.14%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | 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 (1 metrics)

458
Non-Interest-Bearing Deposit Share
funding
Value: 30.27%
Peer Median: 22.03%
#458 of 2643 Top 17.3% in $100M-$1B

Top Weaknesses (2 metrics)

2011
Delinquency Rate
credit_quality
Value: 1.23%
Peer Median: 0.92%
#2011 of 2633 Bottom 23.7% in $100M-$1B
2018
Nonperforming Asset Ratio
credit_quality
Value: 0.88%
Peer Median: 0.67%
#2018 of 2643 Bottom 23.7% in $100M-$1B
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