Omaha, NE · Cert 12493 · Premier Bancshares Inc.
National charter · OCC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Omaha, NE-IA area (n=24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
68
Asset Quality
61
Profitability
60
Liquidity
96
Efficiency
42
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Omaha, NE · Cert 12493 · Premier Bancshares Inc.
National charter · OCC · 5 branches
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.6% share · #23 of 77 inst. · $0.2B of $42.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.57% | 1.64% | 1.59% | 1.59% | 1.59% | 0.95% | 1.39% | 1.43% | -16 bps | |
| Return on Equity | 11.47% | 12.12% | 12.15% | 12.05% | 11.84% | 7.17% | 11.62% | 11.72% | -34 bps | |
| Net Interest Margin | 4.20% | 4.35% | 4.40% | 4.35% | 4.32% | 4.30% | 4.16% | 4.16% | -19 bps | |
| Efficiency Ratio | 54.42% | 53.20% | 53.58% | 53.51% | 54.35% | 54.13% | 63.67% | 62.14% | +863 bps | |
| Non-Interest Burden | 2.15% | 2.19% | 2.27% | 2.21% | 2.20% | 2.17% | 2.52% | 2.45% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.92% | -1.88% | 0.76% | -2.13% | 1.74% | 0.49% | 4.90% | -0.49% | +164 bps | |
| Loan Growth (YoY) | -0.81% | 1.38% | 3.35% | -2.84% | 3.61% | -1.51% | -8.08% | -5.40% | -256 bps | |
| Deposit Growth (YoY) | -0.88% | 0.86% | 6.21% | 2.33% | 2.68% | 1.76% | 6.77% | 0.54% | -179 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.05% | 0.03% | 0.03% | 2.89% | 1.62% | 1.69% | 1.21% | +118 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 1.34% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.37% | 1.36% | 1.36% | 1.43% | 1.43% | 1.28% | 1.29% | 1.25% | -18 bps | |
| Allowance Coverage of NPLs | 70.2x | 25.6x | 40.2x | 41.6x | 0.5x | 0.8x | 0.8x | 1.0x | -40.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.07% | 12.88% | 13.58% | 13.74% | 14.01% | 11.97% | 12.38% | 12.59% | -115 bps | |
| Total Risk-Based Capital | 14.07% | 12.88% | 13.58% | 13.74% | 14.01% | 11.97% | 12.38% | 12.59% | -115 bps | |
| Equity / Assets | 14.83% | 12.96% | 13.17% | 13.49% | 14.19% | 12.20% | 11.77% | 12.64% | -84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.86% | 93.46% | 91.50% | 88.54% | 92.70% | 90.46% | 78.77% | 83.30% | -523 bps | |
| Liquid Assets / Assets | 4.85% | 5.02% | 5.82% | 8.53% | 6.92% | 7.08% | 16.98% | 12.63% | +409 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 428% | 471% | 442% | n/a | n/a | |
Omaha, NE · Cert 12493 · Peer group: banks under $1B in assets in the Omaha, NE-IA area (n=24) · Premier Bancshares Inc.
National charter · OCC · 5 branches
Q2 2026
Return on Assets
1.44%
Rank 9 of 24
Net Interest Margin
4.16%
Rank 5 of 24
Efficiency Ratio
62.14%
Rank 15 of 24
Equity / Assets
12.64%
Rank 4 of 24
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.44% | 0.92% | 1.29% | 1.77% | Beats 63% | 9 / 24 | ||
| Return on Equity | 11.41% | 9.64% | 12.01% | 15.30% | Beats 38% | 15 / 24 | ||
| Net Interest Margin | 4.16% | 3.02% | 3.76% | 3.98% | Beats 79% | 5 / 24 | ||
| Efficiency Ratio | 62.14% | 49.60% | 59.31% | 66.55% | Beats 42% | 15 / 24 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.21% | 0.10% | 0.37% | 1.03% | Beats 21% | 20 / 24 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 12 / 24 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.59% | 10.53% | 11.57% | 13.63% | Beats 63% | 9 / 24 | ||
| Total Risk-Based Capital Ratio | 12.59% | 11.15% | 12.06% | 13.90% | Beats 58% | 10 / 24 | ||
| Equity / Assets | 12.64% | 8.87% | 10.14% | 12.27% | Beats 83% | 4 / 24 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.30% | 75.32% | 83.30% | 93.06% | 50th pctl | 12 / 24 | ||
| Loans / Assets | 72.28% | 65.68% | 71.67% | 75.94% | 58th pctl | 10 / 24 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||