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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.61% | 1.46% | 1.68% | 1.73% | 1.90% | 1.50% | 1.84% | 1.85% | +12 bps | |
| Return on Equity | 16.38% | 14.80% | 17.03% | 17.46% | 19.07% | 14.97% | 18.26% | 17.93% | +46 bps | |
| Net Interest Margin | 3.40% | 3.62% | 3.51% | 3.78% | 3.83% | 3.58% | 3.82% | 3.91% | +13 bps | |
| Efficiency Ratio | 42.57% | 51.14% | 40.84% | 35.11% | 39.51% | 42.93% | 39.56% | 40.06% | +495 bps | |
| Non-Interest Burden | 1.31% | 1.72% | 1.34% | 1.12% | 1.37% | 1.37% | 1.47% | 1.50% | +38 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 | 0.00% | 0.11% | -0.03% | 0.17% | 0.05% | -0.01% | 0.00% | -0.01% | -19 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 | |