PackageTrendsPeer
Letter portraitLegal landscape

Premier Bank

Maplewood, MN · Cert 21714 · PB Bancshares Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

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.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

41

Q2 2024Q2 2026peer median (50)

Asset Quality

95

Q2 2024Q2 2026peer median (50)

Profitability

92

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

96

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Premier Bank

Maplewood, MN · Cert 21714 · PB Bancshares Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$1.2BAssets
$893.6MLoans
$1.0BDeposits
$113.3MEquity
Loan mix
91%RE $800.7M9%C&I $74.9M0%Consumer $2.9MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $855.0M18%Noninterest $192.6MQ2 2025Q2 2026

NIM

5.19%Q2 ’245.60%Q2 ’256.02%Q2 ’26+14%+16%

Non-interest income vs. expense

1.82%Q2 ’241.84%Q2 ’251.87%Q2 ’26+10%+1%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.4% share · #17 of 125 inst. · $1.0B of $253.2B

1.2% Ramsey
0.1% Hennepin
1.1% Washington
0.8% Anoka

Executive Summary

  • Earnings: ROA of 1.95%, up 40 bps year over year; NIM at 4.35%.
  • Asset quality: problem loans at 0.00% of loans (-8 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 10.24%, down 15 bps from a year ago.
  • Funding: loans stand at 85.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.95%+40 bps YoY

Net Interest Margin (YTD, annualized)

4.35%+61 bps YoY

Efficiency Ratio (YTD, annualized)

39.65%-538 bps YoY

Tier 1 Leverage Ratio

10.24%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.55%1.65%1.66%1.98%1.95%+40 bps
Return on Equity15.93%16.71%16.83%20.18%20.03%+410 bps
Net Interest Margin3.74%3.87%3.85%4.19%4.35%+61 bps
Efficiency Ratio45.03%43.11%43.34%37.53%39.65%-538 bps
Non-Interest Burden1.49%1.46%1.47%1.34%1.50%+1 bps
Growth
Asset Growth (YoY)0.91%-0.04%0.89%8.39%8.60%+768 bps
Loan Growth (YoY)-2.83%-1.41%1.37%7.17%8.33%+1,116 bps
Deposit Growth (YoY)1.68%-0.06%0.43%10.53%11.55%+987 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.08%0.05%0.00%0.00%-8 bps
Net Charge-Offs / Loans0.00%0.00%0.02%-0.05%-0.02%-2 bps
Allowance / Loans1.43%1.41%1.40%1.40%1.40%-4 bps
Allowance Coverage of NPLs16.8x17.9x26.6x447.5x499.1x+482.3x
Capital
Tier 1 Leverage Ratio10.38%10.94%10.37%10.13%10.24%-15 bps
Total Risk-Based Capital14.18%14.40%13.92%14.05%13.74%-45 bps
Equity / Assets9.89%10.45%9.70%9.87%9.57%-32 bps
Liquidity & Funding
Loans / Deposits87.84%89.91%85.84%86.48%85.30%-254 bps
Liquid Assets / Assets8.26%6.95%10.02%7.85%8.89%+63 bps
CRE / Total Capitaln/a532%543%552%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Premier Bank

Maplewood, MN · Cert 21714 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · PB Bancshares Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$1.2BAssets
$893.6MLoans
$1.0BDeposits
$113.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 98% of banks $1B-$10B in assets operating in a single state (rank 5 of 258).
  • Widest gap: equity / assets trails 65% of banks $1B-$10B in assets operating in a single state (rank 168 of 258).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.92%

Rank 22 of 258

Net Interest Margin

4.35%

Rank 24 of 258

Efficiency Ratio

39.65%

Rank 11 of 257

Equity / Assets

9.57%

Rank 168 of 258

Non-interest income vs. expense

$4.3M$21.5MINCOMEEXPENSE
Unfavorable gap of $17.1M · efficiency ratio beats 96% of banks $1B-$10B in assets operating in a single state
Bank 39.65%Peer median 60.3%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.92%0.93%1.23%1.54%Beats 91%22 / 258
Return on Equity20.10%9.26%11.84%14.74%Beats 93%17 / 258
Net Interest Margin4.35%3.16%3.49%3.88%Beats 91%24 / 258
Efficiency Ratio39.65%51.71%60.30%69.65%Beats 96%11 / 257
Asset Quality
Nonperforming Loans / Loans0.00%0.19%0.46%0.90%Beats 98%5 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 92%22 / 258
Capital
Tier 1 Capital Ratio12.48%11.41%12.98%15.12%Beats 40%155 / 258
Total Risk-Based Capital Ratio13.74%12.10%13.91%16.08%Beats 47%137 / 258
Equity / Assets9.57%9.09%10.24%11.72%Beats 35%168 / 258
Liquidity & Funding
Loans / Deposits85.30%73.24%86.34%95.95%47th pctl136 / 258
Loans / Assets75.44%63.01%72.27%78.40%61st pctl100 / 258
Brokered Deposits / Depositsn/aNot reported for this institution