Dubuque, IA · Cert 34849 · Premier Financial Corp.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Dubuque, IA · 2026 SOD (annual) · 8.6% share · #5 of 9 inst. · $0.3B of $3.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.37% | 0.56% | 0.60% | 0.64% | 0.68% | 0.89% | 0.93% | +33 bps | |
| Return on Equity | 5.07% | 5.25% | 7.38% | 7.76% | 8.12% | 8.62% | 11.04% | 11.58% | +382 bps | |
| Net Interest Margin | 2.14% | 2.23% | 2.73% | 2.87% | 2.95% | 2.94% | 3.14% | 3.21% | +33 bps | |
| Efficiency Ratio | 81.69% | 81.45% | 73.92% | 73.30% | 72.67% | 71.93% | 66.90% | 66.16% | -714 bps | |
| Non-Interest Burden | 1.68% | 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 / Loans | 0.99% | 1.30% | 0.28% | 0.28% | 0.27% | 0.28% | 0.34% | 0.07% | -22 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.31% | 0.16% | 0.11% | 0.08% | 0.00% | 0.08% | -8 bps | |
| Allowance / Loans | 1.00% | 1.00% | 0.97% | 0.98% | 0.98% | 0.97% | 0.98% | 0.90% | -8 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.8x | 3.5x | 3.5x | 3.6x | 3.5x | 2.9x | 13.7x | +10.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.85% | 8.78% | 8.82% | 9.37% | 9.67% | 9.54% | 9.15% | 8.90% | -47 bps | |
| Total Risk-Based Capital | 13.00% | 13.30% | 13.39% | 13.58% | 13.98% | 14.17% | 14.24% | 13.40% | -18 bps | |
| Equity / Assets | 7.38% | 7.46% | 7.71% | 8.06% | 8.34% | 8.10% | 7.96% | 8.04% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.58% | 85.82% | 83.90% | 86.62% | 87.38% | 82.41% | 79.95% | 87.11% | +50 bps | |
| Liquid Assets / Assets | 20.48% | 21.32% | 20.07% | 18.91% | 18.72% | 23.59% | 24.70% | 19.45% | +54 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 361% | 354% | 350% | n/a | n/a | |