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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=581 to 629). 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

55

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

56

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 $2.1MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $256.8M16%Noninterest $48.1MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.37%0.56%0.60%0.64%0.68%0.89%0.93%+33 bps
Return on Equity5.07%5.25%7.38%7.76%8.12%8.62%11.04%11.58%+382 bps
Net Interest Margin2.14%2.23%2.73%2.87%2.95%2.94%3.14%3.21%+33 bps
Efficiency Ratio81.69%81.45%73.92%73.30%72.67%71.93%66.90%66.16%-714 bps
Non-Interest Burden1.68%1.75%1.95%2.03%2.07%2.03%2.00%2.01%-2 bps
Growth
Asset Growth (YoY)-0.85%-1.06%-7.50%-7.14%-8.26%-1.75%3.42%2.96%+1,010 bps
Loan Growth (YoY)-2.53%-2.31%-2.75%-3.15%-2.90%-1.85%-0.71%4.58%+774 bps
Deposit Growth (YoY)-3.49%0.13%-6.59%-0.10%-2.68%2.22%4.18%3.98%+409 bps
Asset Quality
Nonperforming Loans / Loans0.99%1.30%0.28%0.28%0.27%0.28%0.34%0.07%-22 bps
Net Charge-Offs / Loans0.00%0.00%0.31%0.16%0.11%0.08%0.00%0.08%-8 bps
Allowance / Loans1.00%1.00%0.97%0.98%0.98%0.97%0.98%0.90%-8 bps
Allowance Coverage of NPLs1.0x0.8x3.5x3.5x3.6x3.5x2.9x13.7x+10.2x
Capital
Tier 1 Leverage Ratio8.85%8.78%8.82%9.37%9.67%9.54%9.15%8.90%-47 bps
Total Risk-Based Capital13.00%13.30%13.39%13.58%13.98%14.17%14.24%13.40%-18 bps
Equity / Assets7.38%7.46%7.71%8.06%8.34%8.10%7.96%8.04%-2 bps
Liquidity & Funding
Loans / Deposits87.58%85.82%83.90%86.62%87.38%82.41%79.95%87.11%+50 bps
Liquid Assets / Assets20.48%21.32%20.07%18.91%18.72%23.59%24.70%19.45%+54 bps
CRE / Total Capitaln/an/an/an/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=581-629) · 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 127 of 581).
  • Widest gap: equity / assets trails 87% of banks under $1B in assets (rank 549 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.95%

Rank 346 of 629

Net Interest Margin

3.21%

Rank 428 of 629

Efficiency Ratio

66.16%

Rank 280 of 629

Equity / Assets

8.04%

Rank 549 of 629

Non-interest income vs. expense

$1.2M$8.4MINCOMEEXPENSE
Unfavorable gap of $7.3M · efficiency ratio beats 56% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.95%0.60%1.01%1.45%Beats 45%346 / 629n/a
Return on Equity11.79%5.38%9.30%13.28%Beats 65%218 / 629n/a
Net Interest Margin3.21%3.03%3.54%4.05%Beats 32%428 / 629n/a
Efficiency Ratio66.16%58.35%67.79%79.08%Beats 56%280 / 629n/a
Asset Quality
Nonperforming Loans / Loans0.07%0.09%0.46%1.20%Beats 78%127 / 581n/a
Net Charge-Offs / Loans0.04%n/a0.01%0.06%Beats 32%397 / 581n/a
Capital
Tier 1 Capital Ratio12.40%11.24%13.84%18.77%Beats 37%396 / 629n/a
Total Risk-Based Capital Ratio13.40%11.58%14.43%19.66%Beats 42%365 / 629n/a
Equity / Assets8.04%9.09%10.65%13.80%Beats 13%549 / 629n/a
Liquidity & Funding
Loans / Deposits87.11%67.24%80.90%93.48%63rd pctl221 / 594n/a
Loans / Assets74.23%53.31%67.71%78.15%64th pctl228 / 629n/a
Brokered Deposits / Depositsn/aNot reported for this institution