Premier Bank
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
$826.5MAssets
$714.5MLoans
$671.7MDeposits
$87.3MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 98% of banks under $1B in assets operating regionally (rank 3 of 94).
- Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets operating regionally (rank 87 of 94).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $12.3M · efficiency ratio beats 98% of banks under $1B in assets operating regionally | 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 |