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
Unfavorable gap of $12.3M · efficiency ratio beats 96% 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% | 1.48% | Beats 92% | 8 / 99 | | |
| Return on Equity | 17.35% | 7.92% | 11.87% | 14.08% | Beats 96% | 4 / 99 | | |
| Net Interest Margin | 3.83% | 3.44% | 3.80% | 4.18% | Beats 52% | 48 / 99 | | |
| Efficiency Ratio | 42.17% | 55.83% | 62.41% | 73.02% | Beats 96% | 5 / 99 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.51% | 0.19% | 0.46% | 1.04% | Beats 15% | 85 / 99 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.06% | Beats 74% | 27 / 99 | | |
| Capital |
| Tier 1 Capital Ratio | 9.55% | 10.28% | 11.95% | 14.75% | Beats 8% | 91 / 99 | | |
| Total Risk-Based Capital Ratio | 9.55% | 10.45% | 12.59% | 15.64% | Beats 8% | 91 / 99 | | |
| Equity / Assets | 10.57% | 8.89% | 10.14% | 11.36% | Beats 60% | 40 / 99 | | |
| Liquidity & Funding |
| Loans / Deposits | 106.36% | 74.57% | 84.03% | 94.55% | 93rd pctl | 7 / 99 | | |
| Loans / Assets | 86.44% | 62.55% | 71.25% | 78.99% | 96th pctl | 4 / 99 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |