# PREMIER BANK
MAPLEWOOD, MN · FDIC certificate 21714 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.18B | |
| Deposits | $1.05B | |
| Loans and leases | $893.6M | |
| Total equity | $113.3M | |
| Loans / deposits | 84.11% (p43 of band) | 87.10% |
| Liquid assets / assets | 21.81% (p53 of band) | |
| Uninsured deposits / deposits | 48.77% (p90 of band) | 30.76% |
| Brokered deposits | 2.07% | |
| Wholesale funding | 3.42% (p39 of band) | |
| FHLB advances / assets | 1.35% | |
| Tier 1 leverage | 10.24% (p44 of band) | 10.50% |
| Unrealized securities loss / equity | -4.99% (p64 of band) | -7.75% |
| AOCI / equity | -0.59% (p30 of band) | |
| ROA (annualized) | 1.95% (p86 of band) | 1.26% |
| Net interest margin | 4.44% (p85 of band) | 3.70% |
| Efficiency ratio | 39.65% (p8 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 0.51% |
| Net charge-offs (annualized) | -0.02% (p4 of band) | |
| Reserve coverage of noncurrent | 49908.00% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 97.97% (p87 of band) | |
| Auto loans | $560,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 11.6% | |
| Employees | 102 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 | charge-offs p90 |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 6 | leverage <7%, capital falling, losing money | noncurrent p90 |
| 2012-03 | 4 | deposits shrinking, assets shrinking | charge-offs p90, leverage <7%, capital falling, losing money |
| 2012-06 | 3 |  | construction >100% equity |
| 2012-09 | 2 | construction >100% equity | deposits shrinking, assets shrinking |
| 2012-12 | 1 |  | construction >100% equity |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 2 | charge-offs p90 | capital falling |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | charge-offs p90 |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | capital falling, construction >100% equity |  |
| 2017-06 | 0 |  | reserve under noncurrent, capital falling, construction >100% equity |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 1 | construction >100% equity |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2019-12 | 2 |  | reserve under noncurrent |
| 2020-03 | 1 |  | charge-offs p90 |
| 2020-06 | 2 | charge-offs p90 |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 2 |  | construction >100% equity |
| 2021-03 | 0 |  | charge-offs p90, capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | construction >100% equity |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 0 |  | construction >100% equity, capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-16 [New Valley Premier Bank planned for Hawley - InForum](https://news.google.com/rss/articles/CBMigAFBVV95cUxPaGxHZUloX2Z3ZFphWnJWb1JqUjZUbUFfWEs0Z2lSR2FEei0yU3JPTV90ZHhOWTBWdVNJQWFkdGo2Z2J1dTh5S2hPNTNXYmhGUGxSODl5T2NycnhBN0ExR25DR1BhQWJaSE5yQ044cFNOVy1yOHoxTEdSN21kcFFVVg?oc=5) · InForum
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-02-09 [Adrian State Bank changes name to Adrian Bank following acquisition - The Globe | Worthington, Minnesota](https://news.google.com/rss/articles/CBMimwFBVV95cUxPemNaanJrXzg2c0ZuY2FqRkdBVjdNSW1LRmFzaGpaT1h6cV9udmhHYk0ycGtiaktiYkZmZXRDY2FkSjJQc0RIZE1KZ1B4ZlZ4LTBRZnhpRjdqN1BOS0FfRjJRMjMwM1VQemJzT2FQZUpaWV8zY0lOOGlrbnpNQVpKb1B0NVlGQTZPa2twcW5hbTh5NUR0LWpyS1JoYw?oc=5) · The Globe | Worthington, Minnesota
- 2024-04-13 [Troy Zabinski Named to Premier Bank Minnesota Board - Post Bulletin](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPTGszWWQwTnNsdzlVeUFJNTNPX2VZZ1dkS2xrMGpRa1hDZFVvTDZqS2tpbmZSaUVhWlJYVUYxaE13Ql94YkxYdTF0Ny1sOEhBbE1iV2pVMGt5U21yVnZzbms0Rk02dmFzTkkwQWtzQkN1VkRHTDBWNDlZeTNYbjBYRzg3NnFvTVVYNFZTRXFGY3pyX3NJZnItYm54aVg4blRsSnE1QUFRcGxEemJNS3VDREcxX0NjTHJEdkxIYm16R2k4RFA2WFBBdHVjVy1zQjNGcUxYTHZ1TDBLU01TMzU0cTN3WEtBazhu?oc=5) · Post Bulletin
- 2019-03-14 [First Premier Bank details plans for downtown headquarters - SiouxFalls.Business](https://news.google.com/rss/articles/CBMikAFBVV95cUxNam5sVTRTN2ZVbFBBbjBDOU9oSEppTHlvd2lfanE5NHNnWjNXZGpuWWo1VEZRT214SmdOYTdUb0F2UUpoZVFYNjI1UkRLRi1yQ1hCa0lSQWtXRGhiYXJhNXhTSmlPZ25Ib3JpOEJaSXptSklFc185S2JnUGh4aE56N3BHcThEdlBrejQ1aFE4Nmk?oc=5) · SiouxFalls.Business
- 2020-11-25 [Premier Banks founder remembered for faith, financial legacy - thecatholicspirit.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxOUDFKSE1Rb3JQdXgyVzdjbXNSbXhqX0N6RGN0MzJVX3h6cDJhX3ZJRTVwd1ZxbEg4a1Q4dU1vT2hpeUdCMWxUc2k3OE1IemRtN2ZrMzUybDBxU2xoLVg4MURVRTlVMkhnZ2NMbnFtRFAwOG9hTjlZeV9QNkN2V3dfdEJpdFF0NDZOejdfOXNQR3BmMkZKaTJxRmFudjk1cGFkbk5PMWdybHJxRUU2Q2JwdjQ4Y1EybllNd19OYmFB?oc=5) · thecatholicspirit.com
- 2019-03-14 [Five-story First Premier headquarters heading to major Sioux Falls intersection - Argus Leader](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNVENHLWFydWEwaElFT1BTelRIbVlwTUpyN2VPUExPYW9kMGJUbTlFU1FLdnNGWW1Ldk01NWNZREhSbDlEWk9HbnVkallDN3VEbEhmZjYtNi1lSG5VQkdhdmNMLXFYR0NPNmJqUXVsT0FJTTZJNkllRjhaY1loNXV6OWhxaG9HUmZya0pHb0RWNlBfWXhua0NoZU9CV3ZBeU4zb3RYNXluNDBtUzRzMVZ1ZXlhY0R0NGpaRXl5Z2VXWjNqYl9wLURLTlQtSllXemVmMVFjcGdR?oc=5) · Argus Leader
- 2021-02-22 [Premier Bank (MN) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMifkFVX3lxTE1OOXp4TnNYeVUyNWZaUFBPTUV3Mml3VkxKRjV3bTZ2aThDdGRSUVZQNEZyenRBZEM5YS1TMlYxZHNIQVh5TjNyaVNYb1ZLNDhkbkNBRnpLTXRWajBNX2tvWHRnS19LWk1BUkNXU2x5LTVKZGJIVFlZSEEzN1JZZw?oc=5) · SmartAsset

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21714 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/18.json (key "21714", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide