# PREMIER BANK
LENEXA, KS · FDIC certificate 22924 · asset band <$300M · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $160.3M | |
| Deposits | $136.0M | |
| Loans and leases | $39.0M | |
| Total equity | $18.0M | |
| Loans / deposits | 27.72% (p5 of band) | 67.95% |
| Liquid assets / assets | 72.72% (p96 of band) | |
| Uninsured deposits / deposits | 6.55% (p39 of band) | 8.38% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.24% (p53 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.01% (p51 of band) | 9.95% |
| Unrealized securities loss / equity | 11.91% (p92 of band) | 2.77% |
| AOCI / equity | 2.56% (p99 of band) | |
| ROA (annualized) | 0.64% (p42 of band) | 0.78% |
| Net interest margin | 2.82% (p10 of band) | 3.77% |
| Efficiency ratio | 96.54% (p88 of band) | |
| Noncurrent loans | 1.51% (p52 of band) | 1.40% |
| Net charge-offs (annualized) | -0.51% (p1 of band) | |
| Reserve coverage of noncurrent | 227.16% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 6.44% (p33 of band) | |
| Auto loans | $152,000 (0.39% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.6% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 4 | expense ratio p90, charge-offs p90 |  |
| 2011-09 | 2 |  | reserve under noncurrent, charge-offs p90 |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90 |

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

- 2026-09-04 [Where to Watch: First PREMIER Bank PBR Sioux Falls - PBR | Professional Bull Riders](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOYlZJdzNNM2J0a1Z1SElFR3k2NVAxWHNQQzBaQ2Z3aFoydTFud0g4dS1WT0wxM2E0VnRuZnJQWnhER0hXdkdFUVdmYUhqSTJ4MktQLUQxUXIzVkQyWktTR25DR2ppVnpUWkdreUo2VTdFZjVNZnFoVkdVVkc1WXh2ZnhjMFZzRnVlaXBF?oc=5) · PBR | Professional Bull Riders
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-04-11 [KS Bank earns five-star rating from national firm - Rocky Mount Telegram](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOeXFUN2Z5VngxWXY0VnduREJPOU1iNDJRVHFfS1hnR3hkOWY4bVpWRjZiUkJiNmZkcUxDM1FJZmoyaWFQdkJWVXpNbjRxeDl0MlAyUlVpUUgtSWpLbTlyLWFDZ09GM3VYanRlV2pycUgxeHV4X1pzMmNRd0tEMzI4NkJ2LXpoWmhmaWlVU3p3d0syWlJiNmNTN3dRRFRTTnFBUXJsa1VWalIzT3l3cENNczJVNGhpLWU2THVQMGd1ZS1BNlhQUkprYkVnVGZHLUZLWUhxWDQxWGstZFJtRS1XbXhR?oc=5) · Rocky Mount Telegram
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- 2025-05-06 [OceanFirst adds 36 commercial bankers in bid to boost profits - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxOQ0k5akU3aFlvMnNFUkFFZk9FR1lEeklMVUJwNE05aDNKMmhLbExSQnROd2dEbG9YcjlSWnZDdTg0MEptcHB0ekFsdlQySXhZVWJtTkViRF9keXJxWHJ6UXM1MG84Rk9EdUV0blhpOEpQbktKZUM2MjNJSG0yMHctRVRNaF9NUjJvMS1lek4yZzBmVDNpa0pxNEQzS0hKSDdYbHY5Zi1HZTR6eGVzMkZB?oc=5) · The Business Journals
- 2025-05-07 [Premier bank sign officially replaced - WKBN.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPVUl5OWJJRlJ1YTVOU1BURy1qaVpicWlVbUREc1h0SGRuSkFBTTZGeEZIb3JhNG1IRjVQVGJMNmtFVmpUMGo4SjJjdmFIRldubVphZ2h3UkZfN2ZZUTFfNmRYN0RhaUVoVFhmQ1JuNjlUYk9XT0VLX3R4SEZybGZXcjkxWFFSUGZiZUNodGxhRHZBNjAycWljRHdFV1XSAaIBQVVfeXFMUGlPRUtwODNwdU02Ukd3SFNsc0NrZnR3cnhCLWZpNl94ajhBR0xxYXFCLTVjbkMyWWp3WThCUk9YV0FmWGQwaDk3clA2dGZ4dVRlb2V2SlBUZElPUmI4aDdEZm0teW1OVS00eFljOXdjdmdaQWtVZkZsc3Y0MUg1N2haREJCMUQ5a1VmMXhHTW1xa0JFWmZva1VUWjFzM19Za1BB?oc=5) · WKBN.com
- 2025-06-05 [Good News: Investing in Recovery: First PREMIER Bank's Support for Castlewood Following Tornado - mykxlg.com](https://news.google.com/rss/articles/CBMihwJBVV95cUxQd01zMzlGZ182cDF6RlRfcm9EeDBFYlJPN0FvN1JINFV6ZmpZcVl1U3JSUGJJVDVMeW5QYUZwc29jM3B0VG1ZV1JwUWVxcDdzMjAwXy1QcXVWR2VJNTUxWjVuSVA2WThXNmkwYmRRTDJ2cVlHaGo5Z0owd0gtMGFOZVd0eFVrSG9WMlRrM21wQ3NSNkNPeFJ0RC1Yc05Md0N2b1lfN205c2dOVklGVHJQeEtKOU53cEdSUmhfbFl6elFHN25keW44SEo5VWs2SFVlQW5TcXh4S3ZjdHQtcFNNUG1zOC1BcGYxbGJ4UC1oZnVHaWFHQk9JeDFEZzhyZ3M1amJ4ZEtNYw?oc=5) · mykxlg.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22924 (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/12.json (key "22924", 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