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Premier Bank Minnesota

Hastings, MN · Cert 33204 · PB Family Bancshares Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$691.5MAssets
$546.1MLoans
$620.1MDeposits
$66.5MEquity
Loan mix
90%RE $498.6M10%C&I $54.7M0%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $481.9M22%Noninterest $138.3MQ2 2025Q2 2026

NIM

5.18%Q2 ’245.57%Q2 ’255.82%Q2 ’26+17%+12%

Non-interest income vs. expense

2.36%Q2 ’242.60%Q2 ’252.86%Q2 ’26+18%+10%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #52 of 125 inst. · $0.3B of $253.2B

4.7% Olmsted
1.3% Dakota
0.1% Hennepin
2.2% Wright

Executive Summary

  • Earnings: ROA of 1.46%, up 30 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 0.04% of loans (+2 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 10.02%, down 84 bps from a year ago.
  • Funding: loans stand at 88.06% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.46%+30 bps YoY

Net Interest Margin (quarter, annualized)

4.45%+49 bps YoY

Efficiency Ratio (quarter, annualized)

60.03%-120 bps YoY

Tier 1 Leverage Ratio

10.02%-84 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.52%1.31%1.57%1.46%+30 bps
Return on Equity11.12%14.34%12.06%15.56%15.43%+431 bps
Net Interest Margin3.97%4.05%4.12%4.39%4.45%+49 bps
Efficiency Ratio61.23%55.10%62.49%55.93%60.03%-120 bps
Non-Interest Burden2.32%2.09%2.45%2.32%2.55%+23 bps
Growth
Asset Growth (YoY)0.90%4.23%4.89%1.91%-0.65%-154 bps
Loan Growth (YoY)3.04%0.44%0.46%-1.46%-4.88%-792 bps
Deposit Growth (YoY)2.28%4.86%5.56%3.42%0.56%-172 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.18%0.02%0.06%0.04%+2 bps
Net Charge-Offs / Loans0.00%0.01%0.02%0.00%-0.02%-2 bps
Allowance / Loans1.24%1.27%1.26%1.27%1.31%+7 bps
Allowance Coverage of NPLs47.7x7.1x60.8x20.1x30.1x-17.6x
Capital
Tier 1 Leverage Ratio10.86%11.16%11.22%9.73%10.02%-84 bps
Total Risk-Based Capital14.62%15.04%15.26%13.15%13.68%-94 bps
Equity / Assets10.42%10.73%10.92%9.27%9.61%-81 bps
Liquidity & Funding
Loans / Deposits93.10%90.25%89.87%89.12%88.06%-504 bps
Liquid Assets / Assets5.18%8.16%7.65%7.72%9.01%+384 bps
CRE / Total Capitaln/a541%536%630%n/an/a