| Metric | First PREMIER Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.5% | +5.5% | +11.0 pts |
| Deposit growth (YoY) | +13.3% | +5.1% | +8.2 pts |
| Loan growth (YoY) | -0.5% | +5.9% | -6.4 pts |
| ROA | 1.79% | 1.26% | +0.5 pts |
| ROE | 13.9% | 12.2% | +1.8 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.64B | $2.89B | $2.11B | $493.3M | $33.9M | 1.79% | 3.52% | 0.06% |
| Q1 2026 | $3.55B | $2.85B | $2.09B | $487.8M | $16.2M | 1.69% | 3.38% | 0.09% |
| Q4 2025 | $4.15B | $3.46B | $2.11B | $476.6M | $56.8M | 1.67% | 3.64% | 0.06% |
| Q3 2025 | $3.30B | $2.66B | $2.13B | $457.8M | $40.7M | 1.69% | 3.76% | 0.10% |
| Q2 2025 | $3.13B | $2.55B | $2.12B | $439.8M | $26.4M | 1.65% | 3.71% | 0.10% |
| Q1 2025 | $3.11B | $2.61B | $2.07B | $436.7M | $13.5M | 1.67% | 3.61% | 0.05% |
| Q4 2024 | $3.35B | $2.85B | $2.08B | $425.3M | $53.9M | 1.73% | 3.57% | 0.06% |
| Q3 2024 | $3.07B | $2.57B | $2.07B | $419.1M | $38.5M | 1.68% | 3.53% | 0.04% |
Loan mix (Q2 2026): real estate $694.2M · commercial $162.6M · consumer $1.16B · securities $767.4M
| Ratio | First PREMIER Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 1.26% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 12.2% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.6% | 59.0% | 44th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First PREMIER Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First PREMIER Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First PREMIER Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First PREMIER Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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