# PREMIER COMMUNITY BANK
HILLSBORO, OR · FDIC certificate 35013 · asset band $300M-1B · latest filing 2018-06 · 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 | $381.3M | |
| Deposits | $319.6M | |
| Loans and leases | $334.4M | |
| Total equity | $40.1M | |
| Loans / deposits | 103.34% (p89 of band) | 86.00% |
| Liquid assets / assets | 8.00% (p3 of band) | |
| Uninsured deposits / deposits | 28.40% (p71 of band) | 21.20% |
| Brokered deposits | 2.73% | |
| Wholesale funding | 7.04% (p57 of band) | |
| FHLB advances / assets | 4.20% | |
| Tier 1 leverage | 10.15% (p44 of band) | 10.47% |
| Unrealized securities loss / equity | -0.50% (p81 of band) | -2.60% |
| AOCI / equity | 0.35% (p99 of band) | |
| ROA (annualized) | 1.05% (p47 of band) | 1.09% |
| Net interest margin | 4.87% (p95 of band) | 3.71% |
| Efficiency ratio | 64.62% (p44 of band) | |
| Noncurrent loans | 0.05% (p11 of band) | 0.52% |
| Net charge-offs (annualized) | 0.02% (p59 of band) | |
| Reserve coverage of noncurrent | 2451.74% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 126.35% (p96 of band) | |
| Auto loans | $92,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.0% | |
| Employees | 66 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2012-06 | 5 | loans exceed deposits, assets shrinking | reserve under noncurrent, uninsured deposits leaving |
| 2012-09 | 6 | reserve under noncurrent, uninsured deposits leaving | loans exceed deposits |
| 2012-12 | 6 | loans exceed deposits | deposits shrinking |
| 2013-03 | 4 |  | assets shrinking, uninsured deposits leaving |
| 2013-06 | 3 |  | construction >100% equity |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 0 |  | wholesale funding >15%, reserve under noncurrent, loans exceed deposits |
| 2014-12 | 3 | loans exceed deposits, capital falling, expense ratio p90 |  |
| 2015-03 | 0 |  | loans exceed deposits, capital falling, expense ratio p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 | loans exceed deposits | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | liquid assets <10% |  |
| 2016-09 | 2 | construction >100% equity | liquid assets <10% |
| 2016-12 | 1 | capital falling | loans exceed deposits, construction >100% equity |
| 2017-03 | 1 | loans exceed deposits | capital falling |
| 2017-06 | 2 | construction >100% equity |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | construction >100% equity |
| 2018-06 | 3 | liquid assets <10%, construction >100% equity |  |

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

- 2026-09-08 [Premier Community Bank Frog 92.3 High School Game of The Week: Meet Your Captains - TCH Daily News](https://news.google.com/rss/articles/CBMirwFBVV95cUxOUTBVZ25kdU1lbkRwelZvQXdRRXpGZzZqMHM0ZkRIcVl2TjJ3bndCTy1SMEgxbEU5OVZOVDMyc2RQU25Tbk0wZFUzb2ZFcmdiZjhrajJSay1zLXE4R0tjeFBYTHFDZWJmUnNseXh3VEN5VjhFQnppYVNEd2NPZF82Mlh5enl1dEozazFqZzlyMF9pNmVDbmU4VU10N2xuVTBFTzlaSFRQQThkdHlZTndn?oc=5) · TCH Daily News
- 2026-09-07 [Premier Community Bank Frog 92.3 Game Of The Week: Crivitz at Manawa Preview - TCH Daily News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQaDJlOWIwSGMza3o5XzlsS0w0VUlLVFpGd2ZZRGpCNnowTUdMUXZZVFdKQXF1RHlCYWFMOFFHTGRBN1JLaVgwRkFnTFR6NHY0aUpmMnRpLWIzUWpFMzMxM01RQkNZUWoyT1BCdHFtNjlkdmpDdUlZM2w2TkRQRHp3VmxKOU05anpIaWR2ZThDM2dBejRUR25VLW14SnVCWV9CN1FQTlFDdUk?oc=5) · TCH Daily News
- 2026-08-13 [FEATURED MOVER: Sean Killen | Fulton Private Bank - NJBIZ](https://news.google.com/rss/articles/CBMic0FVX3lxTE1wTlBMVHZMbHVwelZzT0tlTG5CelB5aDg5ZGFyRnFtMm1UWDJLZjZNMjJEek9jbnZXQVZZYUhRdFZGTHlBV0IxU1RNSm9hMnNmbE5BNHZLWWQzVUxpRzJma283VXB3M1V4LXg3azJDVlJjYk0?oc=5) · NJBIZ
- 2025-10-17 [Outagamie County Sheriff's Office working to identify suspect who robbed Bear Creek bank - WLUK](https://news.google.com/rss/articles/CBMi8AFBVV95cUxNdU5CeklMRmVUNk1XN2ZveElTUE5EVDkzbXBfTHNCSUZreEh0NUZXamY1SVJRcTBkLXZOSXVwOTJFZVRyZDBTM1VCRGZFVjdyVFo5cm5yeFZIZGIweHQ2LTQtaGJSQlF1VmtDeExWMkxQSXNpanRmdE9PLVE5Q2ZEdlhEaWpkY09jbU1DRzA1UGh4RUJVWUpQQzZVNHFjUVlQVHdvOEN6MFV5NWFDTFhtYWtxUDFZZm5mTEZFMW0wNjY3NTN3aWhYY3JjSzVBQXVhckRVNWNWX0h0M1VsZ2RHNTBpbjBqQ1lwOUxRZ3ctdWk?oc=5) · WLUK
- 2026-08-12 [FEATURED: Sean Killen | Fulton Private Bank - Central Penn Business Journal](https://news.google.com/rss/articles/CBMib0FVX3lxTE5yekJEaFlTNXZuMzMxNXk1cTZwNDk5OWI2TXBmMWRNTGxtcVhfMnRST19CSFluMlAzalNUM25nalNVSHhPRW5YZi04d1ZMdlliUEFNbnVGR2pIbHgxRU1TMzdvNWhpSXpraGV4WFdRYw?oc=5) · Central Penn Business Journal
- 2025-10-17 [Suspect still at large two days later in reported bank robbery - nbc26.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5KdnRGWFdqYjRtQksxeUhiVVVCOWZsNFNpOERvbEF2cHB4QjhQOVJ4VzVpaVhnVHcxN1JIZndGU2ZwT1Z3dFFkbHZKRWt3aURYeTNwXzBzWmVsYkJqdTQ1V0Z1SUZ2VExfTmUwYnZUMGpiLWV1di03YmROaHBwVVE?oc=5) · nbc26.com
- 2026-08-28 [Premier Community Bank High School Game of the Week Preview: Pulaski at Hortonville - TCH Daily News](https://news.google.com/rss/articles/CBMisgFBVV95cUxOLW5yY0J4cEpGb29TdE9jYzdPN1E1Tzh3RUFOREc0OEl1Y0dXUGZIT2EzVGF2Wnd3d004a0xZWWoxYzJuX0xpLXhrbTA5eGNucEJpNVBuWkphM21OOVlhcEZoa1Bkd1NrMTdoWkZ6TmtMWDExeHN3S2lOR0NiWU5BQXhMVEtkXzN2emdDZFgyX28taGp0VVhqX2RjQ2RyLXhqQWh4SGRTZ1ZZMjNJbzZvcmFB?oc=5) · TCH Daily News
- 2026-06-29 [Ahafo Ano Premier Community Bank makes impressive progress - Business & Financial Times](https://news.google.com/rss/articles/CBMilgFBVV95cUxNd3dqbUg5QTFaZUdqdW11TTJfcF84REMyZmhlWmk2OWY1N3Z2QTdaLVB6eUd3c3pOY2pqZTd1SXBqUkNBSmpyVmd4WHFIOTZwTEJhc0NocUJ1Mi1lOVBQTjBYX19vaVg0WXpwMjRnY3pQM091c1dIWmtucnJtWElnc0l0MGdFaVk0MVZPXzNGblBiRlpCM2c?oc=5) · Business &amp; Financial Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35013 (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/5.json (key "35013", 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