# PREMIER BANK
DENVER, CO · FDIC certificate 34112 · asset band <$300M · latest filing 2015-06 · FAILED

**Verdict on the desk:** this could be *run candidate*. Composite score 13 (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 | $26.8M | |
| Deposits | $25.5M | |
| Loans and leases | $13.0M | |
| Total equity | $130,000 | |
| Loans / deposits | 48.15% (p16 of band) | 72.67% |
| Liquid assets / assets | 46.87% (p75 of band) | |
| Uninsured deposits / deposits | 0.59% (p1 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.74% (p60 of band) | |
| FHLB advances / assets | 3.74% | |
| Tier 1 leverage | 0.97% (p0 of band) | 10.53% |
| Unrealized securities loss / equity | -110.00% (p0 of band) | 0.18% |
| AOCI / equity | 16.15% (p100 of band) | |
| ROA (annualized) | -3.91% (p0 of band) | 0.82% |
| Net interest margin | 3.13% (p24 of band) | 3.60% |
| Efficiency ratio | 196.46% (p100 of band) | |
| Noncurrent loans | 13.35% (p100 of band) | 0.74% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | 42.22% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 358.46% (p100 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -37.0% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **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 | 4 | leverage <7%, losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 5 | noncurrent p90 |  |
| 2011-09 | 5 | charge-offs p90 | noncurrent p90 |
| 2011-12 | 7 | leverage <5% |  |
| 2012-03 | 8 | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90, charge-offs p90 |
| 2012-06 | 7 |  | noncurrent p90 |
| 2012-09 | 7 |  |  |
| 2012-12 | 5 |  | leverage <5% |
| 2013-03 | 8 | leverage <5%, losing money, noncurrent p90 | uninsured deposits leaving |
| 2013-06 | 7 | capital falling, expense ratio p90, charge-offs p90 | reserve under noncurrent, deposits shrinking, assets shrinking, noncurrent p90 |
| 2013-09 | 11 | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2013-12 | 13 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2014-03 | 11 | uninsured deposits leaving | charge-offs p90, AOCI drag >20% of equity, securities losses >30% of equity |
| 2014-06 | 12 | charge-offs p90 |  |
| 2014-09 | 8 |  | deposits shrinking, assets shrinking, uninsured deposits leaving, charge-offs p90 |
| 2014-12 | 10 | deposits shrinking, assets shrinking |  |
| 2015-03 | 12 | construction >100% equity, uninsured deposits leaving |  |
| 2015-06 | 13 | securities losses >30% of equity |  |

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

- 2026-07-30 [Pacific Premier Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9DcmtXekNtTlVPZHZJRVNBLXc4VlBiYXBYdDhqWFRzMXlKeGJqZXhvQU1iQURWTUtUWm1UcEVlNDBTWmNXaDR0LVRwWnFSWUF3QUV3a0xoalFPT18yRzlhdkRvNmRQSWN6WElrVHdZM2JlZ1ptVlo4?oc=5) · reveliolabs.com
- 2026-02-23 [Behind PREMIER Bankcard's quiet rise to be named 'the most innovative financial services company in America' - SiouxFalls.Business](https://news.google.com/rss/articles/CBMizwFBVV95cUxQNmVfNkRkb2JFQTFuSFVHaXZsVmc3X1o0alBkWEFrb1ZJQ19ZRkQzNVBHYm44ZEZ6NHdnTkx4WUkzbE5mYkpkWkstamNCWVlBZUI3TFVXS0lhemVvQVhOa3ltaFlYUU8zQnRlWFFBaTdwdmxoc0JZTG1CV0NWQ2U1SkkxWi1kTkY1Vnp3cmVXWVF4VDliMmlZdU5JMHpjZE9VNkNwYXkxQVczMHNCY3RrODVzTURQQ0pjWmgtdVROeENsUXJ3TkE4WmFrS3o3Rk0?oc=5) · SiouxFalls.Business
- 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
- 2026-02-09 [Adrian State Bank changes name to Adrian Bank following acquisition - The Globe | Worthington, Minnesota](https://news.google.com/rss/articles/CBMimwFBVV95cUxPemNaanJrXzg2c0ZuY2FqRkdBVjdNSW1LRmFzaGpaT1h6cV9udmhHYk0ycGtiaktiYkZmZXRDY2FkSjJQc0RIZE1KZ1B4ZlZ4LTBRZnhpRjdqN1BOS0FfRjJRMjMwM1VQemJzT2FQZUpaWV8zY0lOOGlrbnpNQVpKb1B0NVlGQTZPa2twcW5hbTh5NUR0LWpyS1JoYw?oc=5) · The Globe | Worthington, Minnesota
- 2025-10-27 [Columbia Bank Gets Boost from Pacific Premier Buy - Orange County Business Journal](https://news.google.com/rss/articles/CBMihgFBVV95cUxOdThtVExDYk42X1hhV3h0b2JWekdhbTN2Q25XaHVHc2kzZ3VnamRlUEZwMU11dkF0Q1dzNFBtY2JsM2NzV0tTYTdIX1o2d2FMY05icG82LThWd2xYWWNRRjZJRXpPLVF4X0ExTkRiMzRqM0hWWmI1c0k2QkhyWjUyZ04xMFdRdw?oc=5) · Orange County Business Journal
- 2026-05-16 [‘Premier Bank officials behind Tk 3,081cr scam’ - The Daily Star](https://news.google.com/rss/articles/CBMipAFBVV95cUxQRU5oMmZla25ZbWpHcElsTzJJS1N3ZkNmMUZ2YTRRbTMzX1hpLWp6Q1V6YldyUE92Nm1YTFdqMWcyNUd5eFAwcUcweF9yaXRibUNZejlQYlgxd3o3ekxsNENfSjdENnBYQWVTbVBrQm8za0ZuUWstTURlWFkyTjJUSGU4bXY3WkhQWWhVcFFRTDczNHBKVUphS0hBaHdWVUlKYmd5aA?oc=5) · The Daily Star
- 2026-02-19 [BB provides Tk 5,000cr loans to Premier Bank - New Age BD](https://news.google.com/rss/articles/CBMikgFBVV95cUxOMHZUVl95UjFuUEtOcHg0QnBEd2J0dnkxbjlXSDhlYk9RZzJOQ1UtU1VJNTh2ODJfaUV6SHBjT0E5TlloeHVHcWRnVW1fTV9UVGlMMGxFYjBzRlBTNTlsdG1PQUlENXpYLWswYzJZRHg3Nl9pSlVOTmJLZ0RhRV9IdWNmQkNIbVd0U1BTM2tnVXVEUQ?oc=5) · New Age BD
- 2026-06-30 [Premier Bank holds 27th annual general meeting - The Business Standard](https://news.google.com/rss/articles/CBMingFBVV95cUxNZkR0UFZSSjA2enlDbFhQVmYzaTNMdmV2MUtOUWZrZWRnalRIdVhnelhCR3lMVzJaOWsxVmE2Ujc2aWhoMDVpdGFDeWxrenEzckVEQ1NWaXRlZi1WaXVZV1g2aHlkNEtmemp5MFd6VjRhQnpZZy1sSWZxbmJhejhkaHdFSWFkZE51amtsdEJ5aWlOMWFHTUdpSGoySnBVUdIBowFBVV95cUxNU1BSalRUaUxMRUhISURDd2lRck1GdDJTcm9UdV9xam54N0dTZHU3ZVhvelZIUWJXLTgwdWRLVjNCSjFTSEJMc3l0eHRkbzhIc1FfUnN0VGYxQXFkZU1aanlGVTQtblZzNndCUXk2SUV3V2ZuV0ptM1huanVhYUFKTlFvbS1idUk4VlJ0NEFrUzhSWXdoYjVPNlhtT2NUQmNrUUtn?oc=5) · The Business Standard

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34112 (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/0.json (key "34112", 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