First Premier Bank
Sioux Falls, SD · Cert 6085 · Peer group: banks $1B-$10B in assets (n=313-319) · United National Corp.
State charter, Fed member · FED · 13 branches
Q2 2026
$3.6BAssets
$2.1BLoans
$2.9BDeposits
$493.3MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 91% of banks $1B-$10B in assets (rank 30 of 319).
- Widest gap: net charge-offs / loans trails 78% of banks $1B-$10B in assets (rank 245 of 313).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.53%
Rank 79 of 319
Net Interest Margin
3.13%
Rank 226 of 319
Efficiency Ratio
57.61%
Rank 128 of 319
Equity / Assets
13.55%
Rank 41 of 319
Non-interest income vs. expense
Unfavorable gap of $44.3M · efficiency ratio beats 60% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.53% | 0.91% | 1.21% | 1.53% | Beats 75% | 79 / 319 | |
| Return on Equity | 11.31% | 8.49% | 11.44% | 14.57% | Beats 48% | 167 / 319 | |
| Net Interest Margin | 3.13% | 3.06% | 3.43% | 3.81% | Beats 29% | 226 / 319 | |
| Efficiency Ratio | 57.61% | 51.90% | 59.57% | 67.64% | Beats 60% | 128 / 319 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.25% | 0.54% | 1.18% | Beats 89% | 35 / 313 | |
| Net Charge-Offs / Loans | 0.14% | 0.01% | 0.04% | 0.12% | Beats 22% | 245 / 313 | |
| Capital |
| Tier 1 Capital Ratio | 19.95% | 11.74% | 12.99% | 15.28% | Beats 91% | 30 / 319 | |
| Total Risk-Based Capital Ratio | 21.18% | 12.61% | 14.01% | 16.23% | Beats 91% | 29 / 319 | |
| Equity / Assets | 13.55% | 9.03% | 10.33% | 12.01% | Beats 87% | 41 / 319 | |
| Liquidity & Funding |
| Loans / Deposits | 73.81% | 76.76% | 88.16% | 95.43% | 20th pctl | 252 / 314 | |
| Loans / Assets | 58.67% | 65.79% | 74.05% | 79.84% | 15th pctl | 272 / 319 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |