PackageTrendsPeer
Letter portraitLegal landscape

Premier Bank

Rock Valley, IA · Cert 34384 · Premier Holdings Ltd.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

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 under $1B in assets operating regionally (n=99). 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

25

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

0

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 2026-10-10

Premier Bank

Rock Valley, IA · Cert 34384 · Premier Holdings Ltd.

State charter, non-member · FDIC · 6 branches

Q2 2026

$826.5MAssets
$714.5MLoans
$671.7MDeposits
$87.3MEquity
Loan mix
76%RE $313.6M21%C&I $88.3M3%Consumer $11.0MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $600.0M11%Noninterest $71.7MQ2 2025Q2 2026

NIM

6.43%Q2 ’246.45%Q2 ’256.26%Q2 ’26+8%+6%

Non-interest income vs. expense

1.55%Q2 ’241.44%Q2 ’251.69%Q2 ’26-11%+22%

Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 3.4% share · #9 of 28 inst. · $0.2B of $4.6B

10.8% Sioux
19.8% Union
15.9% Lyon
6.7% Nobles

Executive Summary

  • Earnings: ROA of 1.86%, up 16 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 1.51% of loans (+104 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.55%, up 11 bps from a year ago.
  • Funding: loans stand at 106.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.86%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.83%+22 bps YoY

Efficiency Ratio (YTD, annualized)

39.82%+204 bps YoY

Tier 1 Leverage Ratio

9.55%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.71%1.77%1.71%1.84%1.86%+16 bps
Return on Equity17.29%17.85%17.15%18.26%18.19%+91 bps
Net Interest Margin3.61%3.62%3.52%3.82%3.83%+22 bps
Efficiency Ratio37.78%38.39%39.55%39.56%39.82%+204 bps
Non-Interest Burden1.21%1.24%1.24%1.47%1.47%+26 bps
Growth
Asset Growth (YoY)12.37%9.83%12.08%19.28%15.35%+298 bps
Loan Growth (YoY)13.69%13.94%12.61%20.16%13.12%-57 bps
Deposit Growth (YoY)13.62%10.26%11.93%19.07%13.98%+36 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.47%0.54%0.54%1.51%+104 bps
Net Charge-Offs / Loans0.07%0.07%0.05%0.00%0.00%-8 bps
Allowance / Loans1.20%1.16%1.19%1.14%1.18%-2 bps
Allowance Coverage of NPLs2.5x2.5x2.2x2.1x0.8x-1.7x
Capital
Tier 1 Leverage Ratio9.44%9.53%9.46%9.58%9.55%+11 bps
Total Risk-Based Capital9.44%9.53%9.46%9.58%9.55%+11 bps
Equity / Assets9.90%10.01%10.09%10.08%10.57%+66 bps
Liquidity & Funding
Loans / Deposits107.17%104.93%106.53%105.40%106.36%-81 bps
Liquid Assets / Assets0.44%2.49%1.72%2.07%2.12%+168 bps
CRE / Total Capitaln/a98.60%103.87%100.74%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 2026-10-10

Premier Bank

Rock Valley, IA · Cert 34384 · Peer group: banks under $1B in assets operating regionally (n=99) · Premier Holdings Ltd.

State charter, non-member · FDIC · 6 branches

Q2 2026

$826.5MAssets
$714.5MLoans
$671.7MDeposits
$87.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 96% of banks under $1B in assets operating regionally (rank 4 of 99).
  • Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets operating regionally (rank 91 of 99).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.83%

Rank 8 of 99

Net Interest Margin

3.83%

Rank 48 of 99

Efficiency Ratio

42.17%

Rank 5 of 99

Equity / Assets

10.57%

Rank 40 of 99

Non-interest income vs. expense

$1.8M$14.1MINCOMEEXPENSE
Unfavorable gap of $12.3M · efficiency ratio beats 96% of banks under $1B in assets operating regionally
Bank 42.17%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.83%0.82%1.19%1.48%Beats 92%8 / 99
Return on Equity17.35%7.92%11.87%14.08%Beats 96%4 / 99
Net Interest Margin3.83%3.44%3.80%4.18%Beats 52%48 / 99
Efficiency Ratio42.17%55.83%62.41%73.02%Beats 96%5 / 99
Asset Quality
Nonperforming Loans / Loans1.51%0.19%0.46%1.04%Beats 15%85 / 99
Net Charge-Offs / Loans0.00%0.00%0.02%0.06%Beats 74%27 / 99
Capital
Tier 1 Capital Ratio9.55%10.28%11.95%14.75%Beats 8%91 / 99
Total Risk-Based Capital Ratio9.55%10.45%12.59%15.64%Beats 8%91 / 99
Equity / Assets10.57%8.89%10.14%11.36%Beats 60%40 / 99
Liquidity & Funding
Loans / Deposits106.36%74.57%84.03%94.55%93rd pctl7 / 99
Loans / Assets86.44%62.55%71.25%78.99%96th pctl4 / 99
Brokered Deposits / Depositsn/aNot reported for this institution