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Premier Bank Minnesota

$100M-$1B Specialty: Commercial MN FDIC cert 33204

Hastings, MN

12 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 +0.6% year over year ($620.1M on the books).
  • Delinquency rate 0.04%.
  • Return on assets 1.93%.
  • Efficiency ratio 57.99% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.91% 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) →

Premier Bank Minnesota has 4 strengths but faces 1 concern

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 9.0% in tier
  • + Profitability Leader: Top 36.8% in tier
  • + Net Interest Margin 0.50% above tier average
  • + Efficiency Ratio 6.49% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 5.1% in tier
Get updates when Premier Bank Minnesota releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $691.5M
-0.6% YoY -1.1% QoQ
+$304.9M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
Top 12.8% in tier
Total Loans ? $539.0M
-5.0% YoY -2.5% QoQ
+$280.6M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
Top 8.7% in tier
Total Deposits ? $620.1M
+0.6% YoY -1.3% QoQ
+$293.4M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
Top 10.8% in tier
Return on Assets ? 1.93%
+23.5% YoY -3.6% QoQ
+0.60% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
85%
Net Interest Margin ? 4.49%
+11.4% YoY +1.1% QoQ
+0.50% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
79%
Efficiency Ratio ? 57.99%
-3.2% YoY +3.7% QoQ
-6.49% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
63%
Delinquency Rate ? 0.04%
+67.3% YoY -31.3% QoQ
-0.87% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
80%
Loan-to-Deposit Ratio ? 86.91%
-5.5% YoY -1.2% QoQ
+8.96% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
33%
Non-Interest-Bearing Deposit Share ? 22.30%
+3.0% YoY -13.3% QoQ
+0.27% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
56%
Nonperforming Asset Ratio ? 0.03%
+60.1% YoY -32.3% QoQ
-0.63% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
81%
Tier 1 Capital Ratio ? 12.43%
-7.0% YoY +4.4% QoQ
-3.48% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
40%
Non-Interest Income / Assets ? 0.15%
+5.5% YoY +103.6% QoQ
-0.41% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
36%

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 22.3%
+0.6pp YoY
-3.4pp QoQ
 +0.1pp 22.1% 21.9% 22.2% 56%
Brokered Deposits 0.4%
-0.6pp YoY
-1.7pp QoQ
 -7.4pp 7.9% 8.3% 8.5% 11%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 9.4%
-0.3pp YoY
-0.5pp QoQ
 -2.2pp 11.6% 14.6% 12.5% 48%
CRE 74.7%
+0.3pp YoY
-0.7pp QoQ
 +35.2pp 39.5% 36.5% 41.4% 95%
1-4 Family 14.5%
-0.8pp YoY
+1.1pp QoQ
 -18.1pp 32.6% 29.4% 31.3% 18%
Consumer 0.2%
+0.1pp YoY
0.0pp QoQ
 -3.9pp 4.1% 4.5% 5.0% 9%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 12.4%
-0.9pp YoY
+0.5pp QoQ
 -6.4pp 18.8% 16.5% 19.7% 21%
Leverage Ratio 10.0%
-0.8pp YoY
+0.3pp QoQ
 -2.1pp 12.2% 11.0% 12.6% 32%
Total Capital Ratio 13.7%
-0.9pp YoY
+0.5pp QoQ
 -6.3pp 19.9% 17.6% 20.8% 23%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 90
0 YoY
+1 (+1.1%) QoQ
 +31 58 55 482 82%
Assets per Employee ($) $7.7M
-0.6% YoY
-2.2% QoQ
 +$165K $7.5M $8.6M $8.8M 64%
Branch Count 12
0 YoY
0 QoQ
 +7 4 4 18 95%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 30%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 5%
Allowance Coverage 30.12x
-36.8% YoY
+50.0% QoQ
 +5.97x 24.15x 20.41x 20.23x 91%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 16%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 19.4%
+4.1pp YoY
-0.4pp QoQ
 +7.2pp 12.2% 13.1% 11.6% 86%
Cost of Funds (YTD) 1.4%
-0.3pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.7% 1.7% 28%
Net Income ($, YTD) $6.7M
+26.0% YoY
— QoQ
 +$4.2M $2.6M $4.5M $40.4M 95%

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 (2)

Credit Quality Leader

growth
#60 of 659 • Top 9.0% in tier

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

Why this signature
Delinquency Rate: 0.04%
(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

Profitability Leader

growth
#244 of 661 • Top 36.8% in tier

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

Why this signature
Return on Assets: 1.93%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#65 of 1256 • Bottom 5.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.04%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

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 (7 metrics)

231
Total Loans
size
Value: $538.96M
Peer Median: $258.35M
#231 of 2643 Top 8.7% in $100M-$1B
287
Total Deposits
size
Value: $620.13M
Peer Median: $326.73M
#287 of 2643 Top 10.8% in $100M-$1B
339
Total Assets
size
Value: $691.50M
Peer Median: $386.57M
#339 of 2643 Top 12.8% in $100M-$1B
400
Return on Assets
profitability
Value: 1.93%
Peer Median: 1.32%
#400 of 2643 Top 15.1% in $100M-$1B
498
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#498 of 2643 Top 18.8% in $100M-$1B
517
Delinquency Rate
credit_quality
Value: 0.04%
Peer Median: 0.92%
#517 of 2633 Top 19.6% in $100M-$1B
546
Net Interest Margin
profitability
Value: 4.49%
Peer Median: 3.99%
#546 of 2643 Top 20.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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