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
Unfavorable gap of $17.1M · efficiency ratio beats 96% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.92% | 0.93% | 1.23% | 1.54% | Beats 91% | 22 / 258 | |
| Return on Equity | 20.10% | 9.26% | 11.84% | 14.74% | Beats 93% | 17 / 258 | |
| Net Interest Margin | 4.35% | 3.16% | 3.49% | 3.88% | Beats 91% | 24 / 258 | |
| Efficiency Ratio | 39.65% | 51.71% | 60.30% | 69.65% | Beats 96% | 11 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.19% | 0.46% | 0.90% | Beats 98% | 5 / 258 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 92% | 22 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 12.48% | 11.41% | 12.98% | 15.12% | Beats 40% | 155 / 258 | |
| Total Risk-Based Capital Ratio | 13.74% | 12.10% | 13.91% | 16.08% | Beats 47% | 137 / 258 | |
| Equity / Assets | 9.57% | 9.09% | 10.24% | 11.72% | Beats 35% | 168 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 85.30% | 73.24% | 86.34% | 95.95% | 47th pctl | 136 / 258 | |
| Loans / Assets | 75.44% | 63.01% | 72.27% | 78.40% | 61st pctl | 100 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |