First Premier Bank
Sioux Falls, SD · Cert 6085 · Peer group: banks $1B-$10B in assets (n=322-328) · United National Corp.
State charter, Fed member · FED · 13 branches
Q2 2026
$3.6BAssets
$2.1BLoans
$2.9BDeposits
$493.3MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 91% of banks $1B-$10B in assets (rank 31 of 328).
- Widest gap: net charge-offs / loans trails 80% of banks $1B-$10B in assets (rank 258 of 322).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.53%
Rank 81 of 328
Net Interest Margin
3.13%
Rank 230 of 328
Efficiency Ratio
57.61%
Rank 138 of 328
Equity / Assets
13.55%
Rank 42 of 328
Non-interest income vs. expense
Unfavorable gap of $44.3M · efficiency ratio beats 58% 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% | 1.22% | 1.52% | Beats 75% | 81 / 328 | |
| Return on Equity | 11.31% | 8.43% | 11.45% | 14.43% | Beats 48% | 171 / 328 | |
| Net Interest Margin | 3.13% | 3.03% | 3.45% | 3.83% | Beats 30% | 230 / 328 | |
| Efficiency Ratio | 57.61% | 51.61% | 59.56% | 67.53% | Beats 58% | 138 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.24% | 0.51% | 1.03% | Beats 88% | 40 / 322 | |
| Net Charge-Offs / Loans | 0.14% | 0.01% | 0.03% | 0.10% | Beats 20% | 258 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 19.95% | 11.75% | 13.15% | 15.47% | Beats 90% | 32 / 328 | |
| Total Risk-Based Capital Ratio | 21.18% | 12.63% | 14.15% | 16.46% | Beats 91% | 31 / 328 | |
| Equity / Assets | 13.55% | 9.15% | 10.33% | 12.01% | Beats 87% | 42 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 73.81% | 76.63% | 87.92% | 95.36% | 21st pctl | 256 / 323 | |
| Loans / Assets | 58.67% | 65.18% | 74.15% | 79.98% | 16th pctl | 276 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |