Premier Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 11.75 percentage points in Q2 2026, from 293.15% to 281.39%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Premier Bank ranks 12th highest among the 225 banks headquartered in Iowa, at 2.29% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, Premier Bank reported 2.29% on return on assets in Q2 2026, 1.03 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.55% |
| Equity capital to assets | 10.57% |
| Tangible equity to tangible assets | 9.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.42% |
| Non-performing assets ratio | 0.36% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 11.26% |
| Allowance for credit losses to loans | 1.18% |
| Reserve coverage of non-performing loans | 281.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.29% |
| Return on equity | 22.08% |
| Net interest margin | 4.00% |
| Efficiency ratio | 39.35% |
| Yield on earning assets | 6.53% |
| Cost of funds | 2.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 106.36% |
| Core deposits to total deposits | 77.41% |
| Brokered deposits to total deposits | 12.83% |
| Deposits to assets | 81.27% |
| Securities to assets | 6.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 13.21% | 2.23% |
| Q4 2023 | — | — | — | 12.96% | 1.32% |
| Q1 2024 | — | — | — | 12.63% | 1.76% |
| Q2 2024 | — | — | — | 9.22% | 1.98% |
| Q3 2024 | 9.85% | 9.85% | 11.04% | 9.21% | 2.01% |
| Q4 2024 | 10.06% | 10.06% | 11.20% | 9.30% | 1.82% |
| Q1 2025 | — | — | — | 9.55% | 2.10% |
| Q2 2025 | — | — | — | 9.44% | 2.15% |
| Q3 2025 | — | — | — | 9.53% | 2.37% |
| Q4 2025 | — | — | — | 9.46% | 1.85% |
| Q1 2026 | — | — | — | 9.58% | 2.12% |
| Q2 2026 | — | — | — | 9.55% | 2.29% |
Premier Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Premier Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Premier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34384) · FFIEC NIC profile (RSSD 2539960)