Rock Valley, IA · Cert 34384 · Premier Holdings Ltd.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
24
Asset Quality
45
Profitability
80
Liquidity
0
Efficiency
98
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.
Rock Valley, IA · Cert 34384 · Premier Holdings Ltd.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 3.4% share · #9 of 28 inst. · $0.2B of $4.6B
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 | 1.56% | 1.54% | 1.68% | 1.71% | 1.77% | 1.71% | 1.84% | 1.86% | +16 bps | |
| Return on Equity | 13.60% | 13.83% | 17.03% | 17.29% | 17.85% | 17.15% | 18.26% | 18.19% | +91 bps | |
| Net Interest Margin | 3.28% | 3.30% | 3.51% | 3.61% | 3.62% | 3.52% | 3.82% | 3.83% | +22 bps | |
| Efficiency Ratio | 43.71% | 45.76% | 40.84% | 37.78% | 38.39% | 39.55% | 39.56% | 39.82% | +204 bps | |
| Non-Interest Burden | 1.31% | 1.39% | 1.34% | 1.21% | 1.24% | 1.24% | 1.47% | 1.47% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.28% | 12.09% | 12.41% | 12.37% | 9.83% | 12.08% | 19.28% | 15.35% | +298 bps | |
| Loan Growth (YoY) | 12.46% | 12.07% | 13.15% | 13.69% | 13.94% | 12.61% | 20.16% | 13.12% | -57 bps | |
| Deposit Growth (YoY) | 13.26% | 11.50% | 14.66% | 13.62% | 10.26% | 11.93% | 19.07% | 13.98% | +36 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.68% | 0.02% | 0.29% | 0.47% | 0.47% | 0.54% | 0.54% | 1.51% | +104 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.03% | -0.03% | 0.07% | 0.07% | 0.05% | 0.00% | 0.00% | -8 bps | |
| Allowance / Loans | 1.28% | 1.19% | 1.16% | 1.20% | 1.16% | 1.19% | 1.14% | 1.18% | -2 bps | |
| Allowance Coverage of NPLs | 1.9x | 61.9x | 3.9x | 2.5x | 2.5x | 2.2x | 2.1x | 0.8x | -1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.21% | 9.30% | 9.55% | 9.44% | 9.53% | 9.46% | 9.58% | 9.55% | +11 bps | |
| Total Risk-Based Capital | 11.04% | 11.20% | 9.55% | 9.44% | 9.53% | 9.46% | 9.58% | 9.55% | +11 bps | |
| Equity / Assets | 9.81% | 9.85% | 9.88% | 9.90% | 10.01% | 10.09% | 10.08% | 10.57% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.55% | 105.88% | 104.45% | 107.17% | 104.93% | 106.53% | 105.40% | 106.36% | -81 bps | |
| Liquid Assets / Assets | 3.66% | 0.06% | 1.86% | 0.44% | 2.49% | 1.72% | 2.07% | 2.12% | +168 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 98.60% | 103.87% | 100.74% | n/a | n/a | |
Rock Valley, IA · Cert 34384 · Peer group: banks under $1B in assets operating regionally (n=94) · Premier Holdings Ltd.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
1.83%
Rank 6 of 94
Net Interest Margin
3.83%
Rank 46 of 94
Efficiency Ratio
42.17%
Rank 3 of 94
Equity / Assets
10.57%
Rank 40 of 94
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.83% | 0.82% | 1.19% | 1.46% | Beats 94% | 6 / 94 | ||
| Return on Equity | 17.35% | 7.85% | 11.84% | 14.03% | Beats 96% | 4 / 94 | ||
| Net Interest Margin | 3.83% | 3.42% | 3.81% | 4.18% | Beats 51% | 46 / 94 | ||
| Efficiency Ratio | 42.17% | 55.99% | 62.41% | 73.02% | Beats 98% | 3 / 94 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.51% | 0.19% | 0.47% | 1.14% | Beats 16% | 80 / 94 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 74% | 25 / 94 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.55% | 10.28% | 11.95% | 15.07% | Beats 7% | 87 / 94 | ||
| Total Risk-Based Capital Ratio | 9.55% | 10.31% | 12.59% | 15.88% | Beats 7% | 87 / 94 | ||
| Equity / Assets | 10.57% | 8.98% | 10.21% | 11.41% | Beats 57% | 40 / 94 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 106.36% | 72.62% | 84.44% | 94.55% | 94th pctl | 6 / 94 | ||
| Loans / Assets | 86.44% | 62.50% | 72.84% | 78.99% | 96th pctl | 4 / 94 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||