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 | |