Premier Bank Minnesota: 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 climbed 27.84 percentage points in Q2 2026, from 243.19% to 271.03%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Premier Bank Minnesota is 46th of 221 on return on assets, 1.90% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Premier Bank Minnesota reported 1.90% on return on assets in Q2 2026, 0.65 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.43% |
| Tier 1 risk-based capital ratio | 12.43% |
| Total risk-based capital ratio | 13.68% |
| Tier 1 leverage ratio | 10.02% |
| Equity capital to assets | 9.61% |
| Tangible equity to tangible assets | 9.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.48% |
| Non-performing assets ratio | 0.38% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 3.79% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 271.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.90% |
| Return on equity | 19.65% |
| Net interest margin | 4.63% |
| Efficiency ratio | 59.90% |
| Yield on earning assets | 6.04% |
| Cost of funds | 1.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.06% |
| Core deposits to total deposits | 92.41% |
| Brokered deposits to total deposits | 0.41% |
| Deposits to assets | 89.68% |
| Securities to assets | 8.80% |
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 | 12.13% | 12.13% | 13.30% | 10.08% | 1.46% |
| Q4 2023 | 12.07% | 12.07% | 13.27% | 10.07% | 1.27% |
| Q1 2024 | 12.15% | 12.15% | 13.38% | 10.12% | 1.39% |
| Q2 2024 | 12.35% | 12.35% | 13.60% | 10.05% | 1.38% |
| Q3 2024 | 12.66% | 12.66% | 13.91% | 10.21% | 1.30% |
| Q4 2024 | 12.87% | 12.87% | 14.12% | 10.44% | 1.69% |
| Q1 2025 | 13.26% | 13.26% | 14.51% | 10.81% | 1.66% |
| Q2 2025 | 13.37% | 13.37% | 14.62% | 10.86% | 1.47% |
| Q3 2025 | 13.79% | 13.79% | 15.04% | 11.16% | 1.95% |
| Q4 2025 | 14.01% | 14.01% | 15.26% | 11.22% | 1.66% |
| Q1 2026 | 11.90% | 11.90% | 13.15% | 9.73% | 2.07% |
| Q2 2026 | 12.43% | 12.43% | 13.68% | 10.02% | 1.90% |
Premier Bank Minnesota vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Premier Bank Minnesota, 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 Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33204) · FFIEC NIC profile (RSSD 1481745)