BlastPoint's Banking Scorecard
Premier Bank
Designations: ✓ Community bank
Maplewood, MN
8 branches across MN
Premier Bank shows strong momentum with 5 strengths and 8.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 32.6% in tier
- + Efficiency Ratio 23.53% below tier average
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Net Interest Margin 0.64% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+8.4% YoY
+3.0% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
16% |
| Total Loans ? |
$880.6M
+7.2% YoY
+4.8% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
22% |
| Total Deposits ? |
$1.0B
+10.5% YoY
+4.0% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
18% |
| Return on Assets ? |
1.98%
+24.8% YoY
+19.1% QoQ
|
+0.61% |
1.37%
+19.6% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
Top 10.7% in tier |
| Net Interest Margin ? |
4.46%
+19.3% YoY
+11.2% QoQ
|
+0.64% |
3.82%
+6.9% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 12.8% in tier |
| Efficiency Ratio ? |
37.53%
-13.6% YoY
-13.4% QoQ
|
-23.53% |
61.06%
-4.6% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
Top 5.7% in tier |
| Delinquency Rate ? |
0.00%
-99.8% YoY
-94.0% QoQ
|
-0.89% |
0.89%
+14.1% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Top 2.5% in tier |
| Loan-to-Deposit Ratio ? |
85.27%
-3.0% YoY
+0.7% QoQ
|
+1.06% |
84.20%
+0.3% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
19.41%
-1.7% YoY
-11.5% QoQ
|
-1.88% |
21.29%
-2.5% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.00%
-99.8% YoY
-93.9% QoQ
|
-0.67% |
0.67%
+15.6% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Top 2.8% in tier |
| Tier 1 Capital Ratio ? |
12.80%
-2.1% YoY
+1.1% QoQ
|
-2.36% |
15.16%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.09%
+9.4% YoY
-73.4% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
29% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.