BlastPoint's Banking Scorecard

Premier Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 34384

Rock Valley, IA

6 branches across IA · SD · 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 167 in IA.
Deposits +14.0% year over year ($671.7M on the books).
Delinquency rate 1.53%.
Return on assets 2.24%.
Efficiency ratio 39.82% vs a 64.48% peer average.
Loan-to-deposit ratio 105.11% 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 167 in IA

View $100M-$1B leaderboard (IA) →

Premier Bank has 3 strengths but faces 2 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

+ Profitability Leader: Top 44.5% in tier
+ Efficiency Ratio 24.66% below tier average
+ Net Interest Margin 0.10% above tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 27.16% above tier average
- Delinquency Rate 0.61% above tier average

Get updates when Premier Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$826.5M +15.3% YoY -2.5% QoQ	+$439.9M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	Top 6.8% in tier
Total Loans ?	$706.1M +13.1% YoY -3.2% QoQ	+$447.7M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	Top 2.2% in tier
Total Deposits ?	$671.7M +14.0% YoY -4.0% QoQ	+$345.0M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	Top 8.4% in tier
Return on Assets ?	2.24% +5.6% YoY +4.1% QoQ	+0.92%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	Top 8.0% in tier
Net Interest Margin ?	4.09% +7.6% YoY +1.3% QoQ	+0.10%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	58%
Efficiency Ratio ?	39.82% +5.4% YoY +0.6% QoQ	-24.66%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	Top 3.9% in tier
Delinquency Rate ?	1.53% +218.7% YoY +178.3% QoQ	+0.61%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	18%
Loan-to-Deposit Ratio ?	105.11% -0.7% YoY +0.9% QoQ	+27.16%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	Bottom 5.7% in tier
Non-Interest-Bearing Deposit Share ?	10.67% +10.8% YoY -13.8% QoQ	-11.36%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	Bottom 11.9% in tier
Nonperforming Asset Ratio ?	1.31% +211.6% YoY +175.6% QoQ	+0.64%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	Bottom 14.9% in tier
Tier 1 Capital Ratio ?	9.55% +1.1% YoY -0.4% QoQ	-6.36%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	Bottom 5.5% in tier
Non-Interest Income / Assets ?	0.11% -4.4% YoY +166.3% QoQ	-0.46%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	21%

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 (IA)	National Avg	Tier Percentile
Noninterest-Bearing	10.7% +1.0pp YoY -1.7pp QoQ	-11.5pp	22.1%	17.8%	22.2%	11%
Brokered Deposits	12.8% +2.6pp YoY +1.6pp QoQ	+5.0pp	7.9%	6.0%	8.5%	82%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	13.4% -0.2pp YoY +1.3pp QoQ	+1.8pp	11.6%	12.8%	12.5%	70%
CRE	11.8% +1.2pp YoY +1.1pp QoQ	-27.7pp	39.5%	28.3%	41.4%	7%
1-4 Family	5.3% -1.3pp YoY -0.3pp QoQ	-27.3pp	32.6%	23.0%	31.3%	5%
Consumer	1.5% -0.2pp YoY 0.0pp QoQ	-2.6pp	4.1%	2.9%	5.0%	40%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.4%	19.7%	n/a
Leverage Ratio	9.5% +0.1pp YoY 0.0pp QoQ	-2.6pp	12.2%	12.4%	12.6%	22%
Total Capital Ratio	n/a	n/a	19.9%	16.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	65 +9 (+16.1%) YoY 0 QoQ	+6	58	64	482	67%
Assets per Employee ($)	$12.7M -0.6% YoY -2.5% QoQ	+$5.2M	$7.5M	$8.9M	$8.8M	94%
Branch Count	6 +1 (+20.0%) YoY 0 QoQ	+1	4	5	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	1.1% +0.6pp YoY +0.9pp QoQ	+0.8pp	0.3%	0.4%	0.4%	92%
Nonaccrual	0.4% 0.0pp QoQ	-0.5pp	0.9%	1.0%	1.0%	48%
Allowance Coverage	0.78x -69.2% YoY -62.8% QoQ	-23.38x	24.15x	18.97x	20.23x	20%
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	19%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	21.9% +0.4pp YoY +0.5pp QoQ	+9.7pp	12.2%	12.8%	11.6%	92%
Cost of Funds (YTD)	2.7% -0.4pp YoY 0.0pp QoQ	+0.9pp	1.7%	1.8%	1.7%	93%
Net Income ($, YTD)	$9.1M +22.1% YoY — QoQ	+$6.6M	$2.6M	$4.0M	$40.4M	98%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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

#295 of 661 • Top 44.5% in tier

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

Why this signature

Return on Assets: 2.24%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community 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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Total Loans

size

Value: $706.05M

Peer Median: $258.35M

#60 of 2643 Top 2.2% in $100M-$1B

103

Efficiency Ratio

profitability

Value: 39.82%

Peer Median: 64.48%

#103 of 2643 Top 3.9% in $100M-$1B

180

Total Assets

size

Value: $826.50M

Peer Median: $386.57M

#180 of 2643 Top 6.8% in $100M-$1B

212

Return on Assets

profitability

Value: 2.24%

Peer Median: 1.32%

#212 of 2643 Top 8.0% in $100M-$1B

222

Total Deposits

size

Value: $671.73M

Peer Median: $326.73M

#222 of 2643 Top 8.4% in $100M-$1B

Top Weaknesses (6 metrics)

2499

Tier 1 Capital Ratio

capital

Value: 9.55%

Peer Median: 15.91%

#2499 of 2643 Bottom 5.5% in $100M-$1B

2493

Loan-to-Deposit Ratio

liquidity

Value: 105.11%

Peer Median: 77.95%

#2493 of 2643 Bottom 5.7% in $100M-$1B

2329

Non-Interest-Bearing Deposit Share

funding

Value: 10.67%

Peer Median: 22.03%

#2329 of 2643 Bottom 11.9% in $100M-$1B

2251

Nonperforming Asset Ratio

credit_quality

Value: 1.31%

Peer Median: 0.67%

#2251 of 2643 Bottom 14.9% in $100M-$1B

2158

Delinquency Rate

credit_quality

Value: 1.53%

Peer Median: 0.92%

#2158 of 2633 Bottom 18.1% in $100M-$1B

2079

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.57%

#2079 of 2643 Bottom 21.4% in $100M-$1B