Premier Bank
Total assets
$1.18B
▲ +8.6% YoY
Deposits
$1.05B
▲ +11.6% YoY
Loans
$881.1M
▲ +8.4% YoY
Offices
8
PB BANCSHARES INC
ROA (annualized)
1.95%
peers 1.26%
ROE (annualized)
20.03%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Premier Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +5.5% | +3.1 pts |
| Deposit growth (YoY) | +11.6% | +5.1% | +6.5 pts |
| Loan growth (YoY) | +8.4% | +5.9% | +2.4 pts |
| ROA | 1.95% | 1.26% | +0.7 pts |
| ROE | 20.0% | 12.2% | +7.9 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
Profile
- Established
- 1974
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- PB BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 2866 White Bear Ave N, Maplewood, MN, 55109
- County
- Ramsey
- Metro area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Offices
- 8
- FDIC cert #
- 21714
- RSSD ID
- 33259
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.18B | $1.05B | $881.1M | $113.3M | $11.4M | 1.95% | 4.44% | 0.00% |
| Q1 2026 | $1.18B | $1.03B | $880.6M | $116.6M | $5.7M | 1.98% | 4.46% | 0.00% |
| Q4 2025 | $1.15B | $992.9M | $840.4M | $111.3M | $18.4M | 1.66% | 4.01% | 0.04% |
| Q3 2025 | $1.09B | $933.1M | $827.0M | $113.9M | $13.7M | 1.65% | 3.96% | 0.06% |
| Q2 2025 | $1.09B | $939.0M | $813.1M | $107.8M | $8.6M | 1.55% | 3.84% | 0.06% |
| Q1 2025 | $1.09B | $934.4M | $821.5M | $110.2M | $4.4M | 1.58% | 3.74% | 0.97% |
| Q4 2024 | $1.14B | $988.7M | $828.9M | $104.1M | $15.1M | 1.39% | 3.55% | 0.05% |
| Q3 2024 | $1.09B | $933.6M | $839.0M | $105.2M | $11.0M | 1.35% | 3.51% | 0.13% |
Loan mix (Q2 2026): real estate $794.3M · commercial $83.1M · consumer $3.4M · securities $151.7M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Premier Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 1.26% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 20.0% | 12.2% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.70% | 85th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.6% | 59.0% | 7th | |
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% |
Balance sheet
| Ratio | 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% |
Capital
| Ratio | 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% |
Credit quality
| Ratio | 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% |
Franchise
| Ratio | Premier Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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