# PREMIER BANK
YOUNGSTOWN, OH · FDIC certificate 29845 · asset band $1-10B · latest filing 2024-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $8.56B | |
| Deposits | $6.89B | |
| Loans and leases | $6.58B | |
| Total equity | $1.03B | |
| Loans / deposits | 94.37% (p73 of band) | 86.88% |
| Liquid assets / assets | 14.90% (p23 of band) | |
| Uninsured deposits / deposits | 34.70% (p64 of band) | 29.82% |
| Brokered deposits | 0.64% | |
| Wholesale funding | 6.56% (p46 of band) | |
| FHLB advances / assets | 5.93% | |
| Tier 1 leverage | 10.54% (p59 of band) | 10.06% |
| Unrealized securities loss / equity | -15.62% (p46 of band) | -14.16% |
| AOCI / equity | -0.30% (p26 of band) | |
| ROA (annualized) | 0.87% (p45 of band) | 0.92% |
| Net interest margin | 2.67% (p23 of band) | 3.23% |
| Efficiency ratio | 61.03% (p41 of band) | |
| Noncurrent loans | 1.24% (p84 of band) | 0.42% |
| Net charge-offs (annualized) | 0.05% (p62 of band) | |
| Reserve coverage of noncurrent | 91.02% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 49.18% (p45 of band) | |
| Auto loans | $166.2M (2.53% of loans; DQ 5.40%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -4.0% | |
| Employees | 930 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 3 | capital falling |  |
| 2012-09 | 1 |  | charge-offs p90, capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 | reserve under noncurrent | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | loans exceed deposits, losing money | capital falling |
| 2020-06 | 0 |  | loans exceed deposits, losing money |
| 2020-09 | 1 | liquid assets <10% |  |
| 2020-12 | 0 |  | liquid assets <10% |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | capital falling, charge-offs p90 |  |
| 2022-09 | 2 | AOCI drag >20% of equity | charge-offs p90 |
| 2022-12 | 0 |  | capital falling, AOCI drag >20% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | reserve under noncurrent |  |
| 2024-12 | 1 |  |  |

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

- 2026-03-24 [IFA Honors Premier Bank and Jayme Ungs of Peoples Bank for Advancing Beginning Farmer Success on National Ag Day - Iowa Economic Development Authority (.gov)](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOOUx2UkpSOGczbmpUN1d6WVJQR3RVVkkwbFVaOVdadlVqZ1FiM1U0TzF0Z2pYYVJkeURXMlo2Nms2cDBRV0Ywb1ptTmxxNVlOX0tsQ2RVbkladGRFUENoOWRGeTFmTEppU2pwMTRRVlUtQi11b1JKWF9oWDhCTEZJdVJKV3cxUTZwbEFsMVRXOEU5T3BNMUpSOWJDdnlabG95NE9KMkhVbmo3UlNST0lqN2NqUkRQb2loUzFpWjFzektNQ1RRbVFVLXI0ODh3V0NtSDhsQUR3V0NEWkp2NGlXMThPWlhmQQ?oc=5) · Iowa Economic Development Authority (.gov)
- 2026-06-29 [Maldives Premier Bank selects Finastra to power international banking capabilities - PR Newswire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNdGEwS05ON0FqdjhRd2dfUXZwTVVwczA3d29vdVhVUEpJUkNjTTJEcmh4MHFMV3B2dS1iOFJRMkhGaEdaczJ6RUZVVDE1Vjc5THA2MWpZM3ptQXdETkM4Mk96dDRSNldKcGlKem1rS1ZYcWpHQ05JazE2U3NQTTZUNDZnRzZFaFE2WjFidnhPUzQ3NzBVSUluNnlPQmNHNllzbUhJOGkxdVY3dlplNXRMLXNUcV9obmZrajEyeEZjZzhfblBxQzY2UmpraDBOWmRySzZISg?oc=5) · PR Newswire
- 2026-05-12 [WesBanco say-on-pay support declines following Premier Bank deal, exec raises - Crain's Cleveland](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQY2RXcTVod3UzcmszdzRJaUlLenB6MFRvODNJZlg1SkdRX3JEenh0eHk1U1JDcmRJMFFQX0NtR1dYZUlTU0sxNzFVMmJWOFhscGlVT0ZGeVYtNm1aNGVyMXhFUXY2b2YzUG1TbVI4RGVYVHhzSWVraFRtdkxvTWViT3g1WlRQTzZ4?oc=5) · Crain's Cleveland
- 2026-04-16 [Charles Schwab Announces Details of Spot Crypto Trading Launch - pressroom.aboutschwab.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQejRrTjZOLWR2a0tlRTc2djhDYkZuUzd2X09uZExiYW9mVFdyRFBubXpPTzViVGtYb3RUWUxydm43anNCeW9hYkxZZTZOSlVITGdhMzhIWkdJN3MxS3BtWVNZNTJRSTVMUHhuNGFLdmZreUk1MW5DcE5hVlZXNlc4WWxZeGZ0OC1kaDRJNFBKSGdYY20xdDh2V0w4a09fMFlkYzJ6RWx5bXNtanZ0MFRSdVBZYkFmMk1KeDVuYnlqbmRfU3NwSnBKZ3E5VmxBbzlPdW5iTzg2ajBZM3c?oc=5) · pressroom.aboutschwab.com
- 2026-06-18 [Growth, Premier Bank acquisition help WesBanco join S&P small cap bank index - Crain's Cleveland](https://news.google.com/rss/articles/CBMikgFBVV95cUxObU9DWTZDRVMyTTBEdzc3anNPOHlLZkRwcE05ZnlFdmpuRk1JVHB1eTZ4VEZIN2REYjBPaU10SVpTdnYwS0ZFTmNSdlZiaHNnWGstelZNd3FxeGw2UEowVHF2bzg2bzZsb2xLVUtJd3lPUE9lSmlXMkVScWpzcUM5SGdqS25tQlZ3M1JfZEVIRWU4QQ?oc=5) · Crain's Cleveland
- 2026-07-18 [T. Denny Sanford cause of death: First Premier Bank owner and SD's richest with $2.1 billion net worth dies at 90 | Hindustan Times - Hindustan Times](https://news.google.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?oc=5) · Hindustan Times
- 2026-05-13 [Tk10,500cr syphoned thru inflated export orders at Premier Bank: BB probe - The Business Standard](https://news.google.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?oc=5) · The Business Standard
- 2022-06-06 [Southern Bancorp closes on Premier Bank of Arkansas acquisition - Talk Business & Politics](https://news.google.com/rss/articles/CBMingFBVV95cUxPSlllMnFXTU85eE5HTXMzbkY0U20xYTlnNGE3d0I1TE5QZXlpM3BhMDhNN1FsNEhBLXVjRkxpSW1OMFg4aWRlU3Jacms2WFFCcEloR3VRalFOMGozeUg4b0ZiWEhZQ2E2Z2RRTDNEOS05c0RuZ2l5eGdabjJnTG93ZlFuWWtaUVFoMWFERHJGd3NWZXUzMGxNaTVSX3V6Zw?oc=5) · Talk Business &amp; Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29845 (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/21.json (key "29845", 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