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Premier Financial

New Holstein, WI · Charter 66760

NCUA · 4 branches

Q2 2026

$132.4MAssets
$80.2MLoans
$112.8MShares
$17.9MNet Worth

Executive Summary

  • Earnings: ROA of 1.09%, down 9 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 0.95% of loans (-5 bps YoY).
  • Capital: net worth / assets of 13.55%, up 100 bps from a year ago.
  • Funding: loans stand at 71.13% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.09%-9 bps YoY

Net Interest Margin (quarter, annualized)

3.92%-1 bps YoY

Efficiency Ratio (quarter, annualized)

77.64%+159 bps YoY

Net Worth / Assets

13.55%+100 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.50%1.44%1.22%1.18%1.33%1.40%1.07%1.09%-9 bps
Return on Equity12.88%12.06%9.91%9.42%10.31%10.45%7.90%8.04%-138 bps
Net Interest Margin3.93%3.93%3.91%3.93%4.00%4.04%3.93%3.92%-1 bps
Efficiency Ratio70.24%71.40%74.21%76.05%73.39%72.13%77.68%77.64%+159 bps
Growth
Asset Growth (YoY)-0.97%-0.50%-0.03%-0.45%0.26%-0.40%1.39%2.65%+310 bps
Loan Growth (YoY)12.24%16.69%13.09%3.62%4.23%0.65%2.81%4.51%+89 bps
Share Growth (YoY)-2.44%-2.02%-1.22%-1.60%-1.70%-2.21%-0.79%0.73%+233 bps
Asset Quality
Delinquent Loans / Loans0.77%0.65%0.80%1.00%1.08%1.29%1.24%0.95%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.66%11.96%12.30%12.54%12.94%13.41%13.48%13.55%+100 bps
Net Worth / Assets11.66%11.96%12.30%12.54%12.94%13.41%13.48%13.55%+100 bps
Liquidity & Funding
Loans / Shares66.68%69.62%68.46%68.56%70.71%71.65%70.95%71.13%+257 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps