Premierbank
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Data as of · sourced from FFIEC call reports. How we update
Premierbank is an FDIC-insured commercial bank headquartered in Fort Atkinson, WI, established in 1863 (FDIC certificate 5295), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $583.9M, up 4.6% from Q2 2025, the 55th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 12.54% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5295
- Headquarters
- Fort Atkinson, WI
- Established
- 1863
- Total assets, Q2 2026
- $583.9M
- Assets vs Q2 2025
- +4.6%
- CET1 ratio, Q2 2026
- 12.54%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 075902175
- Latest call report
- Q2 2026, FFIEC 051 · Premierbank call report
- Holding company
- FIRST AMERICAN BANKSHARES, INC.
- Asset rank in state
- 55th of 153 in Wisconsin
Premierbank leans heavily on commercial real estate. Its balance sheet stood at $584 million at June 30, 2026, up 4.6% from a year earlier; it is based in Fort Atkinson, Wisconsin. It holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also lost 1.5% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Earnings jumped: net income for the quarter was $1.7 million, 40% above the same quarter a year earlier. Over the same year, loans grew 8.1% and deposits shrank 1.5%. Where it has less room is capital: it holds common equity equal to 12.54% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Premierbank reported a CET1 capital ratio of 12.54%, a return on assets of 1.14%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 2.30%. The figures come from its call report filed with the FFIEC.
Premierbank ranks as the 55th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.4% to $583.9M, loans rose 4.2% and deposits fell 2.7%. 1-4 family residential loans made up 31.8% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 22.9%. Its 7 offices in the FDIC Summary of Deposits are in 6 cities in WI; its Fort Atkinson 2 offices book 43% of its branch deposits. On its Q2 2026 call report, Premierbank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 70 N Main St, Fort Atkinson, WI 53538
- County
- Jefferson
- Metro Area
- Watertown-Fort Atkinson, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 27, 1863
- Former names
- First American Bank & Trust Co. (1975-1999)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 91
- Domestic deposits
- $444.2M
- Allowance for credit losses
- $4.9M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $591.5M
- Average total loans
- $381.6M
- Average interest-bearing deposits
- $302.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5295
- Fed RSSD
- 907547
- Website
- www.bankwithpremier.com →
- Parent Holding Company
- FIRST AMERICAN BANKSHARES, INC. (RSSD 1141629)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Premierbank's total assets ranged from $535.6M (Q3 2023) to $586.0M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$583.9M total assets against $558.3M; $533.5M total liabilities against $515.9M.
$384.6M net loans and leases against $355.9M; $444.2M total deposits against $450.8M.
$145.4M securities against $152.1M; $16.6M cash and balances due against $12.9M.
$6.8M total interest income against $6.5M; $1.7M total interest expense against $2.1M.
$5.1M net interest income against $4.5M.
$1.2M total noninterest income against $1.0M; $4.1M total noninterest expense against $4.1M.
$200K provision for credit losses against $40K.
$1.7M net income against $1.2M.
1.14% return on assets against 0.83%; 3.73% net interest margin against 3.36%.
12.54% CET1 capital ratio against 12.29%; 9.80% tier 1 leverage ratio against 9.21%.
Inside the full Premierbank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Premierbank rankings
Its closest position to the top of a national ranking is 1,580 of 4,196, for total assets; its furthest is 1,542 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.01% (Q1 2025) to 1.20% (Q4 2025) and its net interest margin ran from 2.78% (Q3 2024) to 3.73% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.54% | 1.14% | 0.24% | 2.30% | 3.73% |
| Q1 2026 | 12.70% | 1.01% | 0.31% | 3.30% | 3.49% |
| Q4 2025 | 12.49% | 1.20% | 0.32% | 3.35% | 3.58% |
| Q3 2025 | 12.64% | 0.97% | 0.29% | 2.44% | 3.39% |
| Q2 2025 | 12.29% | 0.83% | 0.27% | 3.26% | 3.36% |
| Q1 2025 | 12.70% | 0.01% | 0.33% | 3.16% | 2.93% |
| Q4 2024 | 12.48% | 0.39% | 0.34% | 3.33% | 3.14% |
| Q3 2024 | 12.96% | 0.43% | 0.36% | 3.00% | 2.78% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Premierbank (main office) | Fort Atkinson , WI | 53538 | $189.4M |
| Jefferson Branch | Jefferson , WI | 53549 | $88.3M |
| Commercial Bank Branch | Whitewater , WI | 53190 | $68.8M |
| Johnson Creek Branch | Johnson Creek , WI | 53038 | $50.7M |
| Janesville Branch | Janesville , WI | 53545 | $28.0M |
| Sullivan Branch | Sullivan , WI | 53178 | $19.1M |
| Drive-In Facility | Fort Atkinson , WI | 53538 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 23, 2017 | Structure Change | Acquired Commercial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 22, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1999 | Structure Change | Acquired Jefferson County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it. These actions name the parent holding company, FIRST AMERICAN BANKSHARES, INC., not the bank itself
- Period: Most recent action February 2, 1998. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in WI, rank 68 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 157 applications, 128 loans originated, $27.5M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $887K approved, $887K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Premierbank
What are Premierbank's total assets?
As of the Q2 2026 filing, Premierbank reported total assets of $583.9 million in its FFIEC call report.
Where is Premierbank headquartered?
It is headquartered in Fort Atkinson, WI, United States.
When was Premierbank founded?
It was established in 1863, per the FDIC institution directory.
Is Premierbank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5295). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Premierbank?
Premierbank's primary federal regulator is the FDIC.
What is Premierbank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.54% in its Q2 2026 call report, above regulatory requirements.
How many branches does Premierbank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Premierbank's Texas Ratio?
Its Texas Ratio is 2.30% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Premierbank previously called?
The charter now named Premierbank has also operated as First American Bank & Trust Co. (1975-1999), per FDIC structure-change records.
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