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Premier Bank

$1B-$10B Specialty: Commercial MN FDIC cert 21714

Designations: ✓ Community bank

Maplewood, MN

8 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 885 banks in the $1B-$10B peer group nationwide — 1 of 17 in MN.
  • Deposits +11.6% year over year ($1.0B on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.95%.
  • Efficiency ratio 39.65% vs a 59.73% peer average.
  • Loan-to-deposit ratio 84.11% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 17 in MN
View $1B-$10B leaderboard (MN) →

Premier Bank shows strong momentum with 5 strengths and 8.6% YoY asset growth

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

  • + Profitability Leader: Top 30.2% in tier
  • + Efficiency Ratio 20.08% below tier average
  • + Delinquency Rate 0.86% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Net Interest Margin 0.57% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when 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 ? $1.2B
+8.6% YoY +0.3% QoQ
-$1.6B $2.8B
-0.6% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
16%
Total Loans ? $881.1M
+8.4% YoY +0.1% QoQ
-$1.1B $2.0B
-0.3% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
21%
Total Deposits ? $1.0B
+11.6% YoY +1.4% QoQ
-$1.3B $2.3B
-0.5% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
19%
Return on Assets ? 1.95%
+25.8% YoY -1.5% QoQ
+0.55% 1.39%
+17.0% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
Top 13.8% in tier
Net Interest Margin ? 4.44%
+15.5% YoY -0.5% QoQ
+0.57% 3.87%
+6.2% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
85%
Efficiency Ratio ? 39.65%
-11.9% YoY +5.6% QoQ
-20.08% 59.73%
-12.6% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
Top 6.9% in tier
Delinquency Rate ? 0.00%
-96.7% YoY -10.8% QoQ
-0.86% 0.87%
+11.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
Top 3.2% in tier
Loan-to-Deposit Ratio ? 84.11%
-2.9% YoY -1.4% QoQ
-0.93% 85.04%
-0.1% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
58%
Non-Interest-Bearing Deposit Share ? 18.38%
-6.5% YoY -5.3% QoQ
-2.89% 21.27%
-1.5% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
42%
Nonperforming Asset Ratio ? 0.00%
-96.7% YoY -10.9% QoQ
-0.67% 0.67%
+11.7% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
Top 3.1% in tier
Tier 1 Capital Ratio ? 12.48%
-3.4% YoY -2.5% QoQ
-2.36% 14.84%
-0.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
41%
Non-Interest Income / Assets ? 0.18%
+2.6% YoY +99.2% QoQ
-0.34% 0.53%
+2.5% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
28%

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 18.4%
-1.3pp YoY
-1.0pp QoQ
 -3.0pp 21.4% 21.9% 22.2% 42%
Brokered Deposits 2.3%
+0.1pp YoY
+1.4pp QoQ
 -7.1pp 9.5% 8.3% 8.5% 30%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 9.4%
+1.6pp YoY
+0.9pp QoQ
 -4.6pp 14.0% 14.6% 12.5% 41%
CRE 74.7%
+0.7pp YoY
-0.7pp QoQ
 +24.7pp 50.0% 36.5% 41.4% 92%
1-4 Family 14.6%
-2.3pp YoY
-0.1pp QoQ
 -11.8pp 26.4% 29.4% 31.3% 29%
Consumer 0.4%
+0.1pp YoY
+0.1pp QoQ
 -4.3pp 4.7% 4.5% 5.0% 27%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 12.5%
-0.4pp YoY
-0.3pp QoQ
 -3.1pp 15.6% 16.5% 19.7% 32%
Leverage Ratio 10.2%
-0.1pp YoY
+0.1pp QoQ
 -1.1pp 11.3% 11.0% 12.6% 43%
Total Capital Ratio 13.7%
-0.4pp YoY
-0.3pp QoQ
 -3.0pp 16.7% 17.6% 20.8% 35%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 102
-6 (-5.6%) YoY
-5 (-4.7%) QoQ
 -212 313 55 482 8%
Assets per Employee ($) $11.6M
+15.0% YoY
+5.2% QoQ
 +$1.1M $10.5M $8.6M $8.8M 76%
Branch Count 8
0 YoY
0 QoQ
 -12 20 4 18 20%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.4% 0.4% n/a
Nonaccrual 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 0.8% 1.0% 1.0% 0%
Allowance Coverage 499.08x
+2874.0% YoY
+11.5% QoQ
 +480.37x 18.71x 20.41x 20.23x 100%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.2% 4%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 20.0%
+4.1pp YoY
-0.1pp QoQ
 +7.4pp 12.6% 13.1% 11.6% 90%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
-0.1pp QoQ
 -0.2pp 1.9% 1.7% 1.7% 38%
Net Income ($, YTD) $11.4M
+33.2% YoY
— QoQ
 -$7.9M $19.2M $4.5M $40.4M 46%

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)

Profitability Leader

growth
#68 of 222 • Top 30.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.95%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 885 peers in $1B-$10B

Top Strengths (5 metrics)

28
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#28 of 885 Top 3.1% in $1B-$10B
29
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.87%
#29 of 882 Top 3.2% in $1B-$10B
62
Efficiency Ratio
profitability
Value: 39.65%
Peer Median: 59.73%
#62 of 885 Top 6.9% in $1B-$10B
123
Return on Assets
profitability
Value: 1.95%
Peer Median: 1.39%
#123 of 885 Top 13.8% in $1B-$10B
134
Net Interest Margin
profitability
Value: 4.44%
Peer Median: 3.87%
#134 of 885 Top 15.0% in $1B-$10B

Top Weaknesses (3 metrics)

745
Total Assets
size
Value: $1.18B
Peer Median: $2.79B
#745 of 885 Bottom 15.9% in $1B-$10B
718
Total Deposits
size
Value: $1.05B
Peer Median: $2.32B
#718 of 885 Bottom 19.0% in $1B-$10B
696
Total Loans
size
Value: $881.08M
Peer Median: $1.96B
#696 of 885 Bottom 21.5% in $1B-$10B
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