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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

6.63%Q2 ’246.67%Q2 ’256.36%Q2 ’26+13%+3%

Non-interest income vs. expense

1.45%Q2 ’241.43%Q2 ’251.77%Q2 ’26-11%+34%

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 1.85%, up 12 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 1.51% of loans (+104 bps YoY), with net recoveries of 0.01%.
  • 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 (quarter, annualized)

1.85%+12 bps YoY

Net Interest Margin (quarter, annualized)

3.91%+13 bps YoY

Efficiency Ratio (quarter, annualized)

40.06%+495 bps YoY

Tier 1 Leverage Ratio

9.55%+11 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.73%1.90%1.50%1.84%1.85%+12 bps
Return on Equity17.46%19.07%14.97%18.26%17.93%+46 bps
Net Interest Margin3.78%3.83%3.58%3.82%3.91%+13 bps
Efficiency Ratio35.11%39.51%42.93%39.56%40.06%+495 bps
Non-Interest Burden1.12%1.37%1.37%1.47%1.50%+38 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 / Loans0.17%0.05%-0.01%0.00%-0.01%-19 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