# PREMIER BANK ROCHESTER
ROCHESTER, MN · FDIC certificate 33202 · asset band <$300M · latest filing 2022-09 · 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 | $282.8M | |
| Deposits | $243.3M | |
| Loans and leases | $229.7M | |
| Total equity | $24.0M | |
| Loans / deposits | 93.20% (p89 of band) | 63.45% |
| Liquid assets / assets | 17.02% (p10 of band) | |
| Uninsured deposits / deposits | 36.23% (p88 of band) | 20.44% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.53% (p74 of band) | |
| FHLB advances / assets | 4.53% | |
| Tier 1 leverage | 9.30% (p25 of band) | 10.74% |
| Unrealized securities loss / equity | -15.06% (p65 of band) | -26.93% |
| AOCI / equity | -14.42% (p57 of band) | |
| ROA (annualized) | 1.42% (p82 of band) | 0.89% |
| Net interest margin | 3.50% (p67 of band) | 3.22% |
| Efficiency ratio | 54.48% (p13 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.22% |
| Net charge-offs (annualized) | 0.15% (p96 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 91% | |
| Construction % of loans | 157.42% (p96 of band) | |
| Auto loans | $91,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.3% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 | charge-offs p90 |  |
| 2011-09 | 2 |  | charge-offs p90 |
| 2011-12 | 5 | capital falling, losing money, charge-offs p90 |  |
| 2012-03 | 2 |  | capital falling, losing money, charge-offs p90 |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | deposits shrinking | construction >100% equity |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | deposits shrinking |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 0 |  | charge-offs p90 |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | uninsured deposits leaving |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 | capital falling | uninsured deposits leaving |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 0 |  | uninsured deposits leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | construction >100% equity, uninsured deposits leaving |  |
| 2019-03 | 1 |  | uninsured deposits leaving |
| 2019-06 | 1 |  |  |
| 2019-09 | 3 | capital falling, charge-offs p90 |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 1 |  | capital falling, charge-offs p90 |
| 2020-06 | 2 | charge-offs p90 |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 1 |  | charge-offs p90, capital falling |
| 2021-03 | 0 |  | construction >100% equity |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 2 | construction >100% equity |  |
| 2022-03 | 3 | charge-offs p90 |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 3 | deposits shrinking |  |

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

- 2020-11-25 [Premier Banks founder remembered for faith, financial legacy - thecatholicspirit.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxOUDFKSE1Rb3JQdXgyVzdjbXNSbXhqX0N6RGN0MzJVX3h6cDJhX3ZJRTVwd1ZxbEg4a1Q4dU1vT2hpeUdCMWxUc2k3OE1IemRtN2ZrMzUybDBxU2xoLVg4MURVRTlVMkhnZ2NMbnFtRFAwOG9hTjlZeV9QNkN2V3dfdEJpdFF0NDZOejdfOXNQR3BmMkZKaTJxRmFudjk1cGFkbk5PMWdybHJxRUU2Q2JwdjQ4Y1EybllNd19OYmFB?oc=5) · thecatholicspirit.com
- 2021-03-03 [Premier Bank makes executive changes - postbulletin.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFBxV2FtZk1XNktNM3dqZHhlYjBoZmNhOVZTY0YyLUV5UlVjQ2p4RjJGWGFFVHFubVdJVklsRUNQRkxRb3lmOTUwaUJTVE9sT0hDV3VSOTJSYTJDS3o5R0dlZUE3OEZzUVVEYWJsQXhjeGtHN2NnanBTREdFbFpMME0?oc=5) · postbulletin.com
- 2023-10-14 [Donald Regan Obituary Oct 23, 2020 - Bradshaw Funeral](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9FeGdWMlFlZ21JR0JsNXV1aUxyTWZZTEUzNXNkOU5icTc3NTg4MlEtZWVmc3ktRE51ZFFra0VrN2I3MXdBdGdzQ3E4VmV5bnBZV2FHNDJ4MzhPWFZESjh0a0tTU2ZnUQ?oc=5) · Bradshaw Funeral
- 2007-03-17 [Minnesota / Young bank president keeps it in family - Pioneer Press](https://news.google.com/rss/articles/CBMikgFBVV95cUxQdG9tYmhGcUhsazNJMk1rMlJIeURqVWNhMFduOURMbWF0eWNDSnBFZ0EwLVVOcjlJazR1aFgxQ3hxSVFGQURkY2tqcEVkbjlCSzVLazJjMjhjS2EtR3dpMWZ5VzB6MVVtaXNYOGxwWnRSc1NaeEdlM1EtX0hKbDA0OEVYN3pnN0V0R21QQkJuYkNodw?oc=5) · Pioneer Press
- 2021-04-18 [Business People: Sunday, April 18 - Pioneer Press](https://news.google.com/rss/articles/CBMiekFVX3lxTE5uVjlkbE5jbHhWaVF2YkV5QlhPMm9KUnd1V19jM2dUcHJRQTZvYkJUaTZ4Q0dReU5ZbGE2RGJWSUZxZk85NnI1WGxuTzltX0pyemJYUHR3Q3RlLUlWdE9sOW5lcG1NX3dXNkFldk5OV01wYjA2Zkk3M0Fn?oc=5) · Pioneer Press
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2019-10-18 [Tracking the new owner of former PB building - postbulletin.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQQVNBb1NMdG8tN1FzbnBMVFgxQVBLYlZoRlpRLUtIVmpsWUxnX1FvZnZjVTU0RERRSDlNN0cwTlZnbFpub1hBaTZlZ2V6MFRzYi1HZ2g4Q3BBRURFMlpBZHlMWXhCcWxWbkswNE5vNTZDRTc1TWdhTC1BUEJNVklCOGg2MnJNajZK?oc=5) · postbulletin.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33202 (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/50.json (key "33202", 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