Premier Bank Minnesota: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Premier Bank Minnesota leans heavily on commercial real estate. Its balance sheet stood at $691 million at June 30, 2026; it is based in Hastings, Minnesota. It holds commercial real estate loans worth 3.5 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 4.9% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Delinquency has appeared in its $146 million non-owner-occupied commercial real estate book: 1.98% of those loans are past due or on nonaccrual, against almost none a year earlier. Net income for the quarter rose 27% from a year earlier, to $3.2 million. Where it has less room is capital: it holds common equity equal to 12.43% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Premier Bank Minnesota reported a CET1 capital ratio of 12.43%, a return on assets of 1.90%, a nonperforming-loan ratio of 0.48% and a Texas ratio of 0.32%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 101 10th St E, Hastings, MN 55033
- County
- Dakota
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 5, 1990
- Offices
- 12 domestic
- Employees (FTE)
- 90
- Domestic deposits
- $620.1M
- Allowance for credit losses
- $7.1M
- Net charge-offs (YTD)
- -$22K
- Average total assets
- $677.2M
- Average total loans
- $553.3M
- Average interest-bearing deposits
- $467.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 5, 1990
- FDIC Cert
- 33204
- Fed RSSD
- 1481745
- Website
- www.premierbanks.com →
- Parent Holding Company
- PB FAMILY BANCSHARES, INC. (RSSD 5672448)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Premier Bank Minnesota terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Premier Bank Minnesota, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Premier Bank Minnesota rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.43% | 1.90% | 0.48% | 0.32% | 4.63% |
| Q1 2026 | 11.90% | 2.07% | 0.52% | 0.38% | 4.56% |
| Q4 2025 | 14.01% | 1.66% | 0.02% | 0.04% | 4.27% |
| Q3 2025 | 13.79% | 1.95% | 0.05% | 1.12% | 4.19% |
| Q2 2025 | 13.37% | 1.47% | 0.80% | 0.08% | 4.04% |
| Q1 2025 | 13.26% | 1.66% | 0.82% | 5.24% | 3.85% |
| Q4 2024 | 12.87% | 1.69% | 0.85% | 0.18% | 3.82% |
| Q3 2024 | 12.66% | 1.30% | 0.87% | 0.19% | 3.53% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 12 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Premier Bank of Rochester Branch | Rochester , MN | 55902 | $116.9M |
| Premier Bank Minnesota (main office) | Hastings , MN | 55033 | $113.7M |
| Bloomington Branch | Bloomington , MN | 55420 | $87.4M |
| Wellner Branch | Rochester , MN | 55906 | $58.5M |
| Frontage Road Branch | Rochester , MN | 55901 | $47.5M |
| Albertville Branch | Albertville , MN | 55301 | $36.9M |
| Green Meadows Branch | Rochester , MN | 55902 | $35.6M |
| Owatonna Branch | Owatonna , MN | 55060 | $32.2M |
| Monticello Branch | Monticello , MN | 55362 | $30.1M |
| Faribault Branch | Faribault , MN | 55021 | $28.2M |
| Northfield Branch | Northfield , MN | 55057 | $16.7M |
| Farmington Branch | Farmington , MN | 55024 | $16.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 8, 2022 | Structure Change | Acquired Premier Bank Rochester Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 7, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Premier Bank Minnesota, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in MN, rank 49 of 279 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 73 applications, 30 loans originated, $60.6M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $15K approved, $15K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Premier Bank Minnesota
What are Premier Bank Minnesota's total assets?
As of the Q2 2026 filing, Premier Bank Minnesota reported total assets of $691.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Premier Bank Minnesota headquartered?
Premier Bank Minnesota is headquartered in Hastings, MN, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Premier Bank Minnesota founded?
Premier Bank Minnesota was established in 1990, per the FDIC institution directory.
Is Premier Bank Minnesota FDIC-insured?
Yes. Premier Bank Minnesota is an FDIC-insured commercial bank (FDIC Certificate #33204). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Premier Bank Minnesota?
Premier Bank Minnesota's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Premier Bank Minnesota's CET1 capital ratio?
Premier Bank Minnesota reported a Common Equity Tier 1 (CET1) capital ratio of 12.43% in its Q2 2026 call report, above regulatory requirements.
How many branches does Premier Bank Minnesota operate?
Premier Bank Minnesota operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Premier Bank Minnesota's Texas Ratio?
Premier Bank Minnesota's Texas Ratio is 0.32% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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