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Premier Bank

Dubuque, IA · Cert 34849 · Premier Financial Corp.

State charter, Fed member · FED · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=570 to 617). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

31

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

67

Q2 2024Q2 2026peer median

Efficiency

55

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Premier Bank

Dubuque, IA · Cert 34849 · Premier Financial Corp.

State charter, Fed member · FED · 3 branches

Q2 2026

$357.7MAssets
$265.5MLoans
$304.8MDeposits
$28.7MEquity
Loan mix
81%RE $204.3M18%C&I $45.9M1%Consumer $2.1MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $256.8M16%Noninterest $48.1MQ2 2025Q2 2026

NIM

4.10%Q2 ’244.44%Q2 ’254.57%Q2 ’26+40%+12%

Non-interest income vs. expense

2.01%Q2 ’242.31%Q2 ’252.34%Q2 ’26+27%-1%

Market Position · Dubuque, IA · 2026 SOD (annual) · 8.6% share · #5 of 9 inst. · $0.3B of $3.6B

Executive Summary

  • Earnings: ROA of 0.93%, up 33 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.07% of loans (-22 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 8.90%, down 47 bps from a year ago.
  • Funding: loans stand at 87.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.93%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.21%+33 bps YoY

Efficiency Ratio (YTD, annualized)

66.16%-714 bps YoY

Tier 1 Leverage Ratio

8.90%-47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.64%0.68%0.89%0.93%+33 bps
Return on Equity7.76%8.12%8.62%11.04%11.58%+382 bps
Net Interest Margin2.87%2.95%2.94%3.14%3.21%+33 bps
Efficiency Ratio73.30%72.67%71.93%66.90%66.16%-714 bps
Non-Interest Burden2.03%2.07%2.03%2.00%2.01%-2 bps
Growth
Asset Growth (YoY)-7.14%-8.26%-1.75%3.42%2.96%+1,010 bps
Loan Growth (YoY)-3.15%-2.90%-1.85%-0.71%4.58%+774 bps
Deposit Growth (YoY)-0.10%-2.68%2.22%4.18%3.98%+409 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.27%0.28%0.34%0.07%-22 bps
Net Charge-Offs / Loans0.16%0.11%0.08%0.00%0.08%-8 bps
Allowance / Loans0.98%0.98%0.97%0.98%0.90%-8 bps
Allowance Coverage of NPLs3.5x3.6x3.5x2.9x13.7x+10.2x
Capital
Tier 1 Leverage Ratio9.37%9.67%9.54%9.15%8.90%-47 bps
Total Risk-Based Capital13.58%13.98%14.17%14.24%13.40%-18 bps
Equity / Assets8.06%8.34%8.10%7.96%8.04%-2 bps
Liquidity & Funding
Loans / Deposits86.62%87.38%82.41%79.95%87.11%+50 bps
Liquid Assets / Assets18.91%18.72%23.59%24.70%19.45%+54 bps
CRE / Total Capitaln/a361%354%350%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Premier Bank

Dubuque, IA · Cert 34849 · Peer group: banks under $1B in assets (n=570-617) · Premier Financial Corp.

State charter, Fed member · FED · 3 branches

Q2 2026

$357.7MAssets
$265.5MLoans
$304.8MDeposits
$28.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 78% of banks under $1B in assets (rank 125 of 570).
  • Widest gap: equity / assets trails 87% of banks under $1B in assets (rank 538 of 617).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.95%

Rank 336 of 617

Net Interest Margin

3.21%

Rank 424 of 617

Efficiency Ratio

66.16%

Rank 276 of 617

Equity / Assets

8.04%

Rank 538 of 617

Non-interest income vs. expense

$1.2M$8.4MINCOMEEXPENSE
Unfavorable gap of $7.3M · efficiency ratio beats 55% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.95%0.60%1.01%1.45%Beats 46%336 / 617
Return on Equity11.79%5.30%9.43%13.30%Beats 65%214 / 617
Net Interest Margin3.21%3.04%3.54%4.05%Beats 31%424 / 617
Efficiency Ratio66.16%58.03%67.76%79.08%Beats 55%276 / 617
Asset Quality
Nonperforming Loans / Loans0.07%0.09%0.47%1.27%Beats 78%125 / 570
Net Charge-Offs / Loans0.04%n/a0.01%0.06%Beats 30%400 / 570
Capital
Tier 1 Capital Ratio12.40%11.18%13.83%18.55%Beats 37%386 / 617
Total Risk-Based Capital Ratio13.40%11.56%14.39%19.39%Beats 42%355 / 617
Equity / Assets8.04%9.03%10.55%13.63%Beats 13%538 / 617
Liquidity & Funding
Loans / Deposits87.11%64.77%79.70%93.06%64th pctl209 / 582
Loans / Assets74.23%51.70%67.18%77.51%65th pctl216 / 617
Brokered Deposits / Depositsn/aNot reported for this institution