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Premier Bank National Association

Omaha, NE · Cert 12493 · Premier Bancshares Inc.

National charter · OCC · 5 branches

Q2 2026

$342.4MAssets
$247.5MLoans
$297.1MDeposits
$43.3MEquity
Loan mix
91%RE $225.4M9%C&I $21.5M0%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $207.2M30%Noninterest $89.9MQ2 2025Q2 2026

NIM

5.84%Q2 ’245.82%Q2 ’255.50%Q2 ’26+2%-4%

Non-interest income vs. expense

2.66%Q2 ’242.51%Q2 ’252.77%Q2 ’26-4%+10%

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.6% share · #23 of 77 inst. · $0.2B of $42.7B

0.7% Douglas
8.4% Otoe

Executive Summary

  • Earnings: ROA of 1.44%, down 15 bps year over year; NIM at 4.21%.
  • Asset quality: problem loans at 1.21% of loans (+118 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.59%, down 115 bps from a year ago.
  • Funding: loans stand at 83.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.44%-15 bps YoY

Net Interest Margin (quarter, annualized)

4.21%-17 bps YoY

Efficiency Ratio (quarter, annualized)

60.65%+721 bps YoY

Tier 1 Leverage Ratio

12.59%-115 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.58%-1.01%1.39%1.44%-15 bps
Return on Equity11.96%11.43%-7.62%11.62%11.81%-15 bps
Net Interest Margin4.38%4.33%4.30%4.16%4.21%-17 bps
Efficiency Ratio53.44%55.98%53.46%63.67%60.65%+721 bps
Non-Interest Burden2.19%2.22%2.10%2.52%2.41%+22 bps
Growth
Asset Growth (YoY)-2.13%1.74%0.49%4.90%-0.49%+164 bps
Loan Growth (YoY)-2.84%3.61%-1.51%-8.08%-5.40%-256 bps
Deposit Growth (YoY)2.33%2.68%1.76%6.77%0.54%-179 bps
Asset Quality
Nonperforming Loans / Loans0.03%2.89%1.62%1.69%1.21%+118 bps
Net Charge-Offs / Loans0.00%-0.01%5.37%0.00%0.00%0 bps
Allowance / Loans1.43%1.43%1.28%1.29%1.25%-18 bps
Allowance Coverage of NPLs41.6x0.5x0.8x0.8x1.0x-40.6x
Capital
Tier 1 Leverage Ratio13.74%14.01%11.97%12.38%12.59%-115 bps
Total Risk-Based Capital13.74%14.01%11.97%12.38%12.59%-115 bps
Equity / Assets13.49%14.19%12.20%11.77%12.64%-84 bps
Liquidity & Funding
Loans / Deposits88.54%92.70%90.46%78.77%83.30%-523 bps
Liquid Assets / Assets8.53%6.92%7.08%16.98%12.63%+409 bps
CRE / Total Capitaln/a428%471%442%n/an/a