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.
Core deposits to total deposits dropped 1.95 percentage points in Q2 2026, from 93.57% to 91.62%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Premier Bank is 40th of 221 on return on assets, 1.97% as of Q2 2026. Against a median of 1.27% for banks in the $1B-10B asset tier, Premier Bank reported 1.97% on return on assets in Q2 2026, 0.70 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.48% |
| Tier 1 risk-based capital ratio | 12.48% |
| Total risk-based capital ratio | 13.74% |
| Tier 1 leverage ratio | 10.24% |
| Equity capital to assets | 9.57% |
| Tangible equity to tangible assets | 9.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.02% |
| Allowance for credit losses to loans | 1.40% |
| Reserve coverage of non-performing loans | 49908.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.97% |
| Return on equity | 19.62% |
| Net interest margin | 4.50% |
| Efficiency ratio | 41.62% |
| Yield on earning assets | 6.15% |
| Cost of funds | 1.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.30% |
| Core deposits to total deposits | 91.62% |
| Brokered deposits to total deposits | 2.34% |
| Deposits to assets | 88.44% |
| Securities to assets | 12.81% |
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 | 12.17% | 12.17% | 13.42% | 10.53% | 1.60% |
| Q4 2023 | 11.84% | 11.84% | 13.08% | 10.40% | 1.31% |
| Q1 2024 | 12.19% | 12.19% | 13.42% | 10.49% | 1.34% |
| Q2 2024 | 11.61% | 11.61% | 12.86% | 9.95% | 1.30% |
| Q3 2024 | 12.13% | 12.13% | 13.39% | 10.32% | 1.43% |
| Q4 2024 | 12.47% | 12.47% | 13.72% | 10.09% | 1.50% |
| Q1 2025 | 13.08% | 13.08% | 14.33% | 10.50% | 1.59% |
| Q2 2025 | 12.93% | 12.93% | 14.18% | 10.38% | 1.53% |
| Q3 2025 | 13.15% | 13.15% | 14.40% | 10.94% | 1.90% |
| Q4 2025 | 12.66% | 12.66% | 13.92% | 10.37% | 1.72% |
| Q1 2026 | 12.80% | 12.80% | 14.05% | 10.13% | 1.94% |
| Q2 2026 | 12.48% | 12.48% | 13.74% | 10.24% | 1.97% |
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 21714) · FFIEC NIC profile (RSSD 33259)