# PREMIER BANK
WILMETTE, IL · FDIC certificate 35419 · asset band <$300M · latest filing 2011-12 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 11 (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 | $268.7M | |
| Deposits | $199.0M | |
| Loans and leases | $157.0M | |
| Total equity | $5.5M | |
| Loans / deposits | 72.81% (p55 of band) | 70.28% |
| Liquid assets / assets | 39.64% (p63 of band) | |
| Uninsured deposits / deposits | 3.66% (p21 of band) | 8.25% |
| Brokered deposits | 9.82% | |
| Wholesale funding | 33.25% (p99 of band) | |
| FHLB advances / assets | 23.43% | |
| Tier 1 leverage | 1.41% (p0 of band) | 9.92% |
| Unrealized securities loss / equity | 29.55% (p96 of band) | 3.23% |
| AOCI / equity | 58.24% (p100 of band) | |
| ROA (annualized) | -3.21% (p2 of band) | 0.69% |
| Net interest margin | 1.56% (p2 of band) | 3.86% |
| Efficiency ratio | 208.29% (p99 of band) | |
| Noncurrent loans | 33.56% (p100 of band) | 1.38% |
| Net charge-offs (annualized) | 0.04% (p29 of band) | |
| Reserve coverage of noncurrent | 22.96% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 119.49% (p96 of band) | |
| Auto loans | $1,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 23 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | brokered >10%, wholesale funding >15%, leverage <7%, leverage <5%, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 9 |  |  |
| 2011-09 | 11 | capital falling, losing money |  |
| 2011-12 | 11 | construction >100% equity | brokered >10% |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-04-14 [Bauer Harris Fills Senior Post for PREMIER Bankcard - Hunt Scanlon Media](https://news.google.com/rss/articles/CBMiggFBVV95cUxQWlZ6Q2NMS28ySlZBY1FOaFY0dFBWaWE2UVFZWUhoZHNGZHo4WGJWcXdtVVV1OTREYWNmOEhJczVJcmNNekZNcDlXRTViUy1SejJPWVJuMzM5OHRUbml2TS1BZWtoYlRMZVBod2dFejZhOVFyb0xWaHRuZzMxTUFZTkRB?oc=5) · Hunt Scanlon Media
- 2025-11-25 [First Premier Bank and Premier Bankcard Welcome New Officers - mykxlg.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQa1dyZkhtVEZkX014MnhIRENEZ281bWhSN1c0bnV0UlFoVEpxR25OckpwaFFpS3FhbmtqcWY4NHp0T19BX1kyVGtweDMweE0zRUVXYzhZb05WeUNUc1lYR3NvWjN6dmNFOVd2aFhWM1pVb2M0NWZMR1JFeDdibjlNVTBaOG1PVndmalQ0ZUxZNmhPYUZock5mU2x6TWNqVlN5eml2YmYyZE1MdXc3eWY3ZnRXSXEyX0pmOUk4dVBvd1JNczFkZTVtOVBfT1dtZmp4cktlMy1xTkJ2T1lW?oc=5) · mykxlg.com
- 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
- 2025-12-11 [Bauer Harris Recruits Chief Marketing Officer for PREMIER Bankcard - Hunt Scanlon Media](https://news.google.com/rss/articles/CBMilgFBVV95cUxQX3R6SVBMQVNiT3R5eVVNdHl0RFl6MFhWRi1semhEZl93OWFSRHdWcEttTklGNndVMTBaU2U4TlgtaU1QR1hPYUt4VUUxeGNMQThFQjRJQXZSakt4c1lpNDRJbUFndG9NYURwRVNzS0h0SE5CbVFNSUJURldBSHhiYlJhS2JKRFNMeGs1TVVJTEkyVkxETkE?oc=5) · Hunt Scanlon Media
- 2025-01-27 [A nearly $1B bank deal is one approval away - Banking Dive](https://news.google.com/rss/articles/CBMipAFBVV95cUxPY3JSMnlLVG5CYmNHR1lPQTJUcDNfRmdzQnJ4TDhwM3RMYTRLWXgxLUZTTDlOdGhmRUdUMHhlZk9FYWhPbkVDZFhKWGpkY0NJOXVVNU5ITnhmVGdVbFQ3QkhCUzlZY0tSWm5BRDVPYkxrRFpLaGh2eC0wbl9YZ3l3bVlTengyeUtGUEdXa2YyYWVQVnJPTFdZdDBFQi00M09DZnlhaA?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
- 2026-07-18 [Business founder, philanthropist T. Denny Sanford dies - SiouxFalls.Business](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUjBUbFBFdlBqb2RrNDJoY2MwQzI2b190bFVZWUwySDltbVRUSDVKazRnQ19EMG1jdW9ULVc2R004UlBMSm9vUEg5MTFrUzlZV3V5SmNlZ0FWX2l4d1kzVnoyNUJuMVk3T184Um1xeV9UejRXcGxaYmRxX2JPTWFQUWRmVlh1M0xT?oc=5) · SiouxFalls.Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35419 (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/27.json (key "35419", 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