# PREMIER BANK MINNESOTA
HASTINGS, MN · FDIC certificate 33204 · asset band $300M-1B · 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 | $691.5M | |
| Deposits | $620.1M | |
| Loans and leases | $546.1M | |
| Total equity | $66.5M | |
| Loans / deposits | 86.91% (p64 of band) | 82.04% |
| Liquid assets / assets | 17.94% (p24 of band) | |
| Uninsured deposits / deposits | 31.58% (p71 of band) | 25.97% |
| Brokered deposits | 0.37% | |
| Wholesale funding | 0.58% (p30 of band) | |
| FHLB advances / assets | 0.22% | |
| Tier 1 leverage | 10.02% (p35 of band) | 10.81% |
| Unrealized securities loss / equity | -2.51% (p75 of band) | -8.10% |
| AOCI / equity | -0.15% (p62 of band) | |
| ROA (annualized) | 1.93% (p85 of band) | 1.28% |
| Net interest margin | 4.49% (p82 of band) | 3.91% |
| Efficiency ratio | 57.99% (p39 of band) | |
| Noncurrent loans | 0.04% (p17 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | 3012.24% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 86.25% (p81 of band) | |
| Auto loans | $393,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.6% | |
| Employees | 90 | |

## 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 | 2 |  | noncurrent p90 |
| 2011-09 | 4 | noncurrent p90, charge-offs p90 |  |
| 2011-12 | 3 | losing money | reserve under noncurrent, noncurrent p90 |
| 2012-03 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking | charge-offs p90, losing money |
| 2012-06 | 5 | expense ratio p90 |  |
| 2012-09 | 3 | charge-offs p90 | reserve under noncurrent, assets shrinking, expense ratio p90 |
| 2012-12 | 1 |  | deposits shrinking, charge-offs p90 |
| 2013-03 | 1 | charge-offs p90 | construction >100% equity |
| 2013-06 | 0 |  | charge-offs p90 |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | construction >100% equity |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | uninsured deposits leaving |  |
| 2015-06 | 1 |  | uninsured deposits leaving |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 0 |  | construction >100% equity |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 2 | construction >100% equity | capital falling |
| 2019-03 | 1 |  | uninsured deposits leaving |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 2 | charge-offs p90 |  |
| 2020-03 | 1 |  | charge-offs p90 |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling, charge-offs p90 | construction >100% equity |
| 2020-12 | 0 |  | capital falling, charge-offs p90 |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | charge-offs p90 | capital falling |
| 2022-06 | 2 | construction >100% equity |  |
| 2022-09 | 3 | AOCI drag >20% of equity |  |
| 2022-12 | 1 |  | charge-offs p90, AOCI drag >20% of equity |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | construction >100% equity |
| 2024-12 | 1 | construction >100% equity |  |
| 2025-03 | 0 |  | construction >100% equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2024-04-13 [Troy Zabinski Named to Premier Bank Minnesota Board - Post Bulletin](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPTGszWWQwTnNsdzlVeUFJNTNPX2VZZ1dkS2xrMGpRa1hDZFVvTDZqS2tpbmZSaUVhWlJYVUYxaE13Ql94YkxYdTF0Ny1sOEhBbE1iV2pVMGt5U21yVnZzbms0Rk02dmFzTkkwQWtzQkN1VkRHTDBWNDlZeTNYbjBYRzg3NnFvTVVYNFZTRXFGY3pyX3NJZnItYm54aVg4blRsSnE1QUFRcGxEemJNS3VDREcxX0NjTHJEdkxIYm16R2k4RFA2WFBBdHVjVy1zQjNGcUxYTHZ1TDBLU01TMzU0cTN3WEtBazhu?oc=5) · Post Bulletin
- 2023-10-14 [Donald Regan Obituary Oct 23, 2020 - Bradshaw Funeral](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9FeGdWMlFlZ21JR0JsNXV1aUxyTWZZTEUzNXNkOU5icTc3NTg4MlEtZWVmc3ktRE51ZFFra0VrN2I3MXdBdGdzQ3E4VmV5bnBZV2FHNDJ4MzhPWFZESjh0a0tTU2ZnUQ?oc=5) · Bradshaw Funeral
- 2020-11-25 [Premier Banks founder remembered for faith, financial legacy - thecatholicspirit.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxOUDFKSE1Rb3JQdXgyVzdjbXNSbXhqX0N6RGN0MzJVX3h6cDJhX3ZJRTVwd1ZxbEg4a1Q4dU1vT2hpeUdCMWxUc2k3OE1IemRtN2ZrMzUybDBxU2xoLVg4MURVRTlVMkhnZ2NMbnFtRFAwOG9hTjlZeV9QNkN2V3dfdEJpdFF0NDZOejdfOXNQR3BmMkZKaTJxRmFudjk1cGFkbk5PMWdybHJxRUU2Q2JwdjQ4Y1EybllNd19OYmFB?oc=5) · thecatholicspirit.com
- 2007-03-17 [Minnesota / Young bank president keeps it in family - Pioneer Press](https://news.google.com/rss/articles/CBMikgFBVV95cUxQdG9tYmhGcUhsazNJMk1rMlJIeURqVWNhMFduOURMbWF0eWNDSnBFZ0EwLVVOcjlJazR1aFgxQ3hxSVFGQURkY2tqcEVkbjlCSzVLazJjMjhjS2EtR3dpMWZ5VzB6MVVtaXNYOGxwWnRSc1NaeEdlM1EtX0hKbDA0OEVYN3pnN0V0R21QQkJuYkNodw?oc=5) · Pioneer Press
- 2021-03-03 [Premier Bank makes executive changes - Post Bulletin](https://news.google.com/rss/articles/CBMif0FVX3lxTFBxV2FtZk1XNktNM3dqZHhlYjBoZmNhOVZTY0YyLUV5UlVjQ2p4RjJGWGFFVHFubVdJVklsRUNQRkxRb3lmOTUwaUJTVE9sT0hDV3VSOTJSYTJDS3o5R0dlZUE3OEZzUVVEYWJsQXhjeGtHN2NnanBTREdFbFpMME0?oc=5) · Post Bulletin
- 2020-05-27 [Cheryl A. (Thomas) Arnold Obituary May 27, 2020 - Starkson Family Life Celebration Chapel - Starkson Family Funeral Homes](https://news.google.com/rss/articles/CBMickFVX3lxTFB5UkhPdzlfeVZZMWRwOFM2bEY5UXU1ZGliVmFVX1M5eHRncTFPLS11dXFPQzVzU0N4Q0ZtNmRsZ0xYWEU5TkNSYWVQQUlxbzJ6aDhlMHJPQmwxaXo5ejJZOU9LXzdNOURmTGRIYnFsQVlxQQ?oc=5) · Starkson Family Funeral Homes
- 2025-05-22 [Minnesota real estate agents charged over ties to fraudster who bilked banks of $35M - startribune.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxOaldwVkkzeTNzTzlrMUhaUUxDejBidGlwVW1GRkkwVW5lTnJYN0FyMVRPVEIwY09CY0s5MnFqck4zU3RzYzVxR2JzdGRoT0hhaGFpZEhMVHpCYVduSnJieDA2MTliTE9tSTVUOUN1NzJnMVVqMGNkamdfTUxMVlA2NUFGVkpnY1lCUjYzTnI5SDlqWnNkZTZkbDRWdDhRcWpvc2lubkU1VkJoZFpfcmhRWTJKTQ?oc=5) · startribune.com
- 2021-04-18 [Business People: Sunday, April 18 - Pioneer Press](https://news.google.com/rss/articles/CBMiekFVX3lxTE5uVjlkbE5jbHhWaVF2YkV5QlhPMm9KUnd1V19jM2dUcHJRQTZvYkJUaTZ4Q0dReU5ZbGE2RGJWSUZxZk85NnI1WGxuTzltX0pyemJYUHR3Q3RlLUlWdE9sOW5lcG1NX3dXNkFldk5OV01wYjA2Zkk3M0Fn?oc=5) · Pioneer Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33204 (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/52.json (key "33204", 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