# PREMIER BANK
TALLAHASSEE, FL · FDIC certificate 33992 · asset band <$300M · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 12 (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 | $272.1M | |
| Deposits | $245.3M | |
| Loans and leases | $172.1M | |
| Total equity | $8.9M | |
| Loans / deposits | 67.86% (p47 of band) | 69.20% |
| Liquid assets / assets | 28.74% (p36 of band) | |
| Uninsured deposits / deposits | 5.29% (p30 of band) | 8.50% |
| Brokered deposits | 1.91% | |
| Wholesale funding | 8.26% (p80 of band) | |
| FHLB advances / assets | 4.78% | |
| Tier 1 leverage | 3.06% (p1 of band) | 10.13% |
| Unrealized securities loss / equity | 5.02% (p59 of band) | 3.81% |
| AOCI / equity | 0.42% (p53 of band) | |
| ROA (annualized) | -0.90% (p5 of band) | 0.80% |
| Net interest margin | 3.67% (p44 of band) | 3.77% |
| Efficiency ratio | 115.35% (p96 of band) | |
| Noncurrent loans | 4.53% (p87 of band) | 1.27% |
| Net charge-offs (annualized) | 1.32% (p96 of band) | |
| Reserve coverage of noncurrent | 72.10% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 187.15% (p99 of band) | |
| Auto loans | $800,000 (0.46% of loans; DQ 0.12%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -13.9% | |
| Employees | 66 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **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 | 10 | wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 10 |  |  |
| 2011-09 | 11 | capital falling |  |
| 2011-12 | 10 |  | wholesale funding >15% |
| 2012-03 | 11 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90, capital falling |
| 2012-06 | 12 | charge-offs p90 |  |
| 2012-09 | 12 | capital falling | noncurrent 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
- 2026-04-10 [2026 Unleash The Beast Game Notes: First PREMIER Bank PBR Sioux Falls - PBR | Professional Bull Riders](https://news.google.com/rss/articles/CBMipAFBVV95cUxNcVlKbmNDN2ZQSzNTYllNXzlZUlJ4bjdIYzFqUHNTejl5dlU0ZUNHRzVseTc5aEM3WGpPRzdUeTVzUHFDbTFRVW1Wc2tsTU5pcGVFaVR1a1owTEFSaWt4c0poRTN1cm1zbEdOd2RjV0huSEhCVUlXcmx1QzFvMlAzM2Q5RFgyc2xnOGdRdzF2dFhNVktVUk1GQ25lNGFVT0ItR25TRg?oc=5) · PBR | Professional Bull Riders
- 2026-06-17 [Debt collection lawsuit investigation: Credit One, Discover, Barclays, Synchrony, Merrick Bank, American Express, Credit First (CFNA), First Premier Bank, Landmark National Bank - Top Class Actions](https://news.google.com/rss/articles/CBMiowFBVV95cUxPQmJGQ3ZQcXZiVk5VTGhzV1AxZDlSVWZnbk1PdWJ6MFRWSTg4SVJVRHBERkNRckNnWGJrUVRLTkEwSGR2dFNLeXU4cW42ZDc2cWVueVhlWHlXUW1waWZCZlZFVDd0SDVNZElDY2NXUFNZYnMxaFpENFZWcC1TMzdvM2M1SXZWMnVCblpQaVNlcHRwd05uZnpVZjk4aTE3TXpIM0g0?oc=5) · Top Class Actions
- 2022-08-22 [GreenState scraps acquisition of Nebraska bank after judge denies appeal - Banking Dive](https://news.google.com/rss/articles/CBMilwFBVV95cUxNODE4V0Y3X09FTG41c1hWZ2dTTjQ4eUdJY3BNa3FtbnNqSGZ4TGhlZzJSUEhIRlRyMHhSSTJUZTFKUGZHTFBQZ04zMUIyTC16YjJpYjhwVFJhXzVqS3IwQ2pjMGg4b3NPUWJWZ04wcDNyZDZaUHlkcFFFNlhjTGtHN3FfajRianFtVWFLT3hTTGlNYmxORzRr?oc=5) · Banking Dive
- 2022-08-19 [GreenState Credit Union calls off deal for Premier Bank in Nebraska - American Banker](https://news.google.com/rss/articles/CBMitwFBVV95cUxNS2tNVTVpQzkzMXUyN0RKU2xINXloU1g5Wml5UEpuS1NuSTU3NkxucWtGNnM4N1RBSWZ3ZEQxSk1HREkzUEEtY21zZVlndkxELTBKcG80WWg5UVg1S3Y4MXI0YnhIX2tja29QYUdXcl8yQWtwUEVibGJfMEhMWDBBMVhaN2l2UzBuak9iRmM5M3hRQ0RGWGRRSERvd2VkaWJPNkFkajVZbW5oSUhCU1hucWJaSFJRTGM?oc=5) · American Banker
- 2026-03-05 [These are the most popular banks in each state in 2026 - Bankrate](https://news.google.com/rss/articles/CBMic0FVX3lxTFBjWWVmY0k0WVJqbjV4VnhRV2NCOWpmaEVLSC1pbTJwcEZtOVlqQTFickJOYzBZWVRmNTlLdENIdEk4N1Q2MmJyczRHYnlKdng0Wk9uZ3JJc2pIT1FxM0lacGpVSzZIZ1RXTWkya3R1Qk1Oc2c?oc=5) · Bankrate
- 2025-05-06 [Bauer Harris Fills Senior IT Role for First PREMIER Bank/PREMIER Bankcard - Hunt Scanlon Media](https://news.google.com/rss/articles/CBMinwFBVV95cUxOc29wQmVFT01wVnU5bzBtUkxqS2Q3VTR2MlRMU2dWeXJUeEVJYnQ3QjNnZTNsYlNpRXdEbWRlZTl5WXdNVTZyU1Mya1QxTHFMZWNwZVJPZTB2WGxjMkpzb0x3SkRLVWpXRDJwWFgzanBLYlBzYnpSUjJmWWtLMFNxUGhxR3RVVUVidGY0WjdrSkpfcUgtX1dTWXNVODU1d1k?oc=5) · Hunt Scanlon Media

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33992 (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/8.json (key "33992", 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