BlastPoint's Banking Scorecard
PremierBank
Fort Atkinson, WI
9 branches across WI
PremierBank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.58% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 45.3% in tier
- - ROA 0.24% below tier average
- - Net Interest Margin 0.30% below tier average
- - Efficiency Ratio 2.39% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$586.0M
+0.7% YoY
+1.0% QoQ
|
+$199.9M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
79% |
| Total Loans ? |
$368.9M
+6.4% YoY
+1.6% QoQ
|
+$113.2M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
77% |
| Total Deposits ? |
$456.6M
-1.1% YoY
+0.8% QoQ
|
+$128.7M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
76% |
| Return on Assets ? |
1.03%
+34.3% QoQ
|
-0.24% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
40% |
| Net Interest Margin ? |
3.63%
+14.8% YoY
+5.2% QoQ
|
-0.30% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
37% |
| Efficiency Ratio ? |
67.68%
-33.3% YoY
-11.9% QoQ
|
+2.39% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
38% |
| Delinquency Rate ? |
0.31%
-7.2% YoY
-3.8% QoQ
|
-0.58% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
80.80%
+7.6% YoY
+0.7% QoQ
|
+4.16% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
32.19%
+6.0% YoY
+7.3% QoQ
|
+10.17% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
Top 13.6% in tier |
| Nonperforming Asset Ratio ? |
0.25%
+26.1% YoY
-2.8% QoQ
|
-0.39% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
55% |
| Tier 1 Capital Ratio ? |
12.70%
-0.0% YoY
+1.6% QoQ
|
-3.13% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.17%
+14.6% YoY
-75.4% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
80% |
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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 (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.