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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.71% | 1.77% | 1.71% | 1.84% | 1.86% | +16 bps | |
| Return on Equity | 17.29% | 17.85% | 17.15% | 18.26% | 18.19% | +91 bps | |
| Net Interest Margin | 3.61% | 3.62% | 3.52% | 3.82% | 3.83% | +22 bps | |
| Efficiency Ratio | 37.78% | 38.39% | 39.55% | 39.56% | 39.82% | +204 bps | |
| Non-Interest Burden | 1.21% | 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 / Loans | 0.47% | 0.47% | 0.54% | 0.54% | 1.51% | +104 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.07% | 0.05% | 0.00% | 0.00% | -8 bps | |
| Allowance / Loans | 1.20% | 1.16% | 1.19% | 1.14% | 1.18% | -2 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.5x | 2.2x | 2.1x | 0.8x | -1.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.44% | 9.53% | 9.46% | 9.58% | 9.55% | +11 bps | |
| Total Risk-Based Capital | 9.44% | 9.53% | 9.46% | 9.58% | 9.55% | +11 bps | |
| Equity / Assets | 9.90% | 10.01% | 10.09% | 10.08% | 10.57% | +66 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 107.17% | 104.93% | 106.53% | 105.40% | 106.36% | -81 bps | |
| Liquid Assets / Assets | 0.44% | 2.49% | 1.72% | 2.07% | 2.12% | +168 bps | |
| CRE / Total Capital | n/a | 98.60% | 103.87% | 100.74% | n/a | n/a | |