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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 $11.0MQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $600.0M11%Noninterest $71.7MQ3 2024Q2 2026

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 1.86%, up 16 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 1.51% of loans (+104 bps YoY), with net charge-offs at 0.00%.
  • 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.

Return on Assets (YTD, annualized)

1.86%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.83%+22 bps YoY

Efficiency Ratio (YTD, annualized)

39.82%+204 bps YoY

Tier 1 Leverage Ratio

9.55%+11 bps YoY

NIM

6.43%Q2 ’246.45%Q2 ’256.26%Q2 ’26+8%+6%

Non-interest income vs. expense

1.55%Q2 ’241.44%Q2 ’251.69%Q2 ’26-11%+22%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.56%1.54%1.68%1.71%1.77%1.71%1.84%1.86%+16 bps
Return on Equity13.60%13.83%17.03%17.29%17.85%17.15%18.26%18.19%+91 bps
Net Interest Margin3.28%3.30%3.51%3.61%3.62%3.52%3.82%3.83%+22 bps
Efficiency Ratio43.71%45.76%40.84%37.78%38.39%39.55%39.56%39.82%+204 bps
Non-Interest Burden1.31%1.39%1.34%1.21%1.24%1.24%1.47%1.47%+26 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 / Loans0.68%0.02%0.29%0.47%0.47%0.54%0.54%1.51%+104 bps
Net Charge-Offs / Loans0.01%0.03%-0.03%0.07%0.07%0.05%0.00%0.00%-8 bps
Allowance / Loans1.28%1.19%1.16%1.20%1.16%1.19%1.14%1.18%-2 bps
Allowance Coverage of NPLs1.9x61.9x3.9x2.5x2.5x2.2x2.1x0.8x-1.7x
Capital
Tier 1 Leverage Ratio9.21%9.30%9.55%9.44%9.53%9.46%9.58%9.55%+11 bps
Total Risk-Based Capital11.04%11.20%9.55%9.44%9.53%9.46%9.58%9.55%+11 bps
Equity / Assets9.81%9.85%9.88%9.90%10.01%10.09%10.08%10.57%+66 bps
Liquidity & Funding
Loans / Deposits101.55%105.88%104.45%107.17%104.93%106.53%105.40%106.36%-81 bps
Liquid Assets / Assets3.66%0.06%1.86%0.44%2.49%1.72%2.07%2.12%+168 bps
CRE / Total Capitaln/an/an/an/a98.60%103.87%100.74%n/an/a