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.
Loan-to-deposit ratio climbed 7.16 percentage points in Q2 2026, from 79.95% to 87.11%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Premier Bank is 148th of 225 on return on assets, 1.20% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Premier Bank sits 0.06 points lower, at 1.20% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.40% |
| Tier 1 risk-based capital ratio | 12.40% |
| Total risk-based capital ratio | 13.40% |
| Tier 1 leverage ratio | 8.90% |
| Equity capital to assets | 8.04% |
| Tangible equity to tangible assets | 8.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.07% |
| Non-performing assets ratio | 0.22% |
| Net charge-off ratio | 0.15% |
| Texas ratio | 2.57% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | 1370.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.20% |
| Return on equity | 14.90% |
| Net interest margin | 3.32% |
| Efficiency ratio | 65.45% |
| Yield on earning assets | 4.70% |
| Cost of funds | 1.47% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.11% |
| Core deposits to total deposits | 95.84% |
| Brokered deposits to total deposits | 0.13% |
| Deposits to assets | 85.21% |
| Securities to assets | 15.13% |
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 | 11.57% | 11.57% | 12.58% | 8.53% | 0.23% |
| Q4 2023 | 11.59% | 11.59% | 12.61% | 8.52% | 0.26% |
| Q1 2024 | 11.88% | 11.88% | 12.91% | 8.54% | 0.43% |
| Q2 2024 | 11.89% | 11.89% | 12.91% | 8.62% | 0.43% |
| Q3 2024 | 11.97% | 11.97% | 13.00% | 8.85% | 0.44% |
| Q4 2024 | 12.25% | 12.25% | 13.30% | 8.78% | 0.51% |
| Q1 2025 | 12.37% | 12.37% | 13.39% | 8.82% | 0.68% |
| Q2 2025 | 12.53% | 12.53% | 13.58% | 9.37% | 0.80% |
| Q3 2025 | 12.91% | 12.91% | 13.98% | 9.67% | 0.90% |
| Q4 2025 | 13.11% | 13.11% | 14.17% | 9.54% | 1.05% |
| Q1 2026 | 13.17% | 13.17% | 14.24% | 9.15% | 1.11% |
| Q2 2026 | 12.40% | 12.40% | 13.40% | 8.90% | 1.20% |
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 34849) · FFIEC NIC profile (RSSD 2687133)