PREMIER BANK
PREMIER BANK is an FDIC-insured commercial bank headquartered in ROCK VALLEY, IA, established in 1997. As of , the bank reported total assets of $764M and total deposits of $629M. Profitability stands at 1.94% ROA and 19.35% ROE, with a net interest margin of 3.70%. CET1 capital ratio: 9.29%. NPL ratio: 0.37% · Texas Ratio: 2.91%. Operates 5 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Premier Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 9.29% | 1.94% | 0.37% | 2.91% | 3.70% |
| 2025-09-30 | 9.17% | 2.36% | 0.00% | 0.01% | 3.85% |
| 2025-06-30 | 9.03% | 2.05% | 0.00% | 0.01% | 3.88% |
| 2025-03-31 | 9.02% | 2.09% | 0.22% | 3.81% | 3.60% |
| 2024-12-31 | 10.06% | 1.80% | 0.74% | 8.12% | 3.73% |
| 2024-09-30 | 9.85% | 2.00% | 0.43% | 3.27% | 3.49% |
| 2024-06-30 | 8.90% | 1.98% | 1.24% | 9.80% | 3.41% |
| 2024-03-31 | 12.17% | 1.76% | 0.45% | 2.74% | 3.49% |
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Frequently asked about PREMIER BANK
What are Premier Bank's total assets?
As of the Q4 2025 filing, Premier Bank reported total assets of $764.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Premier Bank headquartered?
Premier Bank is headquartered in ROCK VALLEY, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Premier Bank founded?
Premier Bank was established in 1997, per the FDIC institution directory.
Is Premier Bank FDIC-insured?
Yes. Premier Bank is an FDIC-insured commercial bank (FDIC Certificate #34384). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Premier Bank?
Premier Bank'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's CET1 capital ratio?
Premier Bank reported a Common Equity Tier 1 (CET1) capital ratio of 9.29% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does Premier Bank operate?
Premier Bank operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Premier Bank's Texas Ratio?
Premier Bank's Texas Ratio is 2.91% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.