# PREMIERBANK
FORT ATKINSON, WI · FDIC certificate 5295 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (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 | $583.9M | |
| Deposits | $444.2M | |
| Loans and leases | $389.5M | |
| Total equity | $50.3M | |
| Loans / deposits | 86.60% (p63 of band) | 82.04% |
| Liquid assets / assets | 27.75% (p58 of band) | |
| Uninsured deposits / deposits | 19.32% (p26 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 14.94% (p87 of band) | |
| FHLB advances / assets | 6.09% | |
| Tier 1 leverage | 9.80% (p29 of band) | 10.81% |
| Unrealized securities loss / equity | -41.01% (p7 of band) | -8.10% |
| AOCI / equity | -0.89% (p26 of band) | |
| ROA (annualized) | 1.10% (p39 of band) | 1.28% |
| Net interest margin | 3.74% (p40 of band) | 3.91% |
| Efficiency ratio | 65.92% (p64 of band) | |
| Noncurrent loans | 0.24% (p37 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p23 of band) | |
| Reserve coverage of noncurrent | 511.02% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 69.81% (p71 of band) | |
| Auto loans | $2.2M (0.56% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.5% | |
| Employees | 91 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 | uninsured deposits leaving | capital falling |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 0 |  | reserve under noncurrent, capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 3 | capital falling, charge-offs p90 |  |
| 2015-06 | 1 |  | capital falling, charge-offs p90 |
| 2015-09 | 2 | charge-offs p90 |  |
| 2015-12 | 3 | noncurrent p90 |  |
| 2016-03 | 2 | capital falling | charge-offs p90, noncurrent p90 |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | capital falling | reserve under noncurrent |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 1 | capital falling | uninsured deposits leaving |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | capital falling |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, capital falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | deposits shrinking |  |
| 2024-03 | 3 | capital falling, expense ratio p90 | deposits shrinking |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | capital falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | uninsured deposits leaving |  |
| 2025-09 | 2 |  | expense ratio p90 |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | uninsured deposits leaving |
| 2026-06 | 1 |  |  |

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

- 2026-07-03 [Kyler Kabat joins PremierBank as Director of Retail and Mortgage Lending - GazetteXtra](https://news.google.com/rss/articles/CBMi8wFBVV95cUxPdGRyU1NQU0MtTUVIMHhid3lER1BHZXU5VU56ekZnNENWTVVjaXJLVTYxS1ZoM2dCOWxHUFpnT3hGYmkxLV9ERFFueWU3NDJFT19wdW1SeHZLLW9zZGhidVo5VmtLbXdpRV9wdTdqN2tRSFlmY3BxdXozWFQ4RFlndDJnZmtYc19yS01jcHVXdEV6SFJiR1lJdy1lLWJqYU4yNUVtb244bnBnR1ZseEs1OXhJQnlYWFlVMzQtNVQxWFdGZlZ5dlk2TE5fVmxMOU9ZVjZsUlhhSlNNdktoYmxBZWMzS1ZjMzZEVE1EYl91eVVreDQ?oc=5) · GazetteXtra
- 2023-11-29 [PremierBank - University of Wisconsin-Whitewater](https://news.google.com/rss/articles/CBMiY0FVX3lxTE50T2RlV1lrckJTTzNVWFdhN3NfbnRrRHYyRXo4WjdqZGZCblhBd25FNnhfcTB0VWJqUFpmcFRDR3J0aG43MVN1RzB2aG9JYW5tZFR0RmZMbk5IaDcteGFFcTVZVQ?oc=5) · University of Wisconsin-Whitewater
- 2021-10-05 [PremierBank announces leadership promotions - wdtimes.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxNMFlPNE14YmItME1RWkR1ck1PMTFTOThGenB4RmN3bEFvaDd1NnpuZERDeXZWeWRPX3czcldxb2FGUkJ5MGZkZXg4dy1tSjQydW9oUEhwZW54WUtRdS1UbXJUczdfb3plV08yRUd6andPcE9OQVVicXVCdURSMUdhTUdhOGQ4aW15NjdJbVlLeTB4WXBUb1ZwVFJHUURELWhmd29QeXZqcFJiYld2Q2VyUUNjWElWOHE2dWJIX2lVSFBTdHNm?oc=5) · wdtimes.com
- 2019-06-26 [Fort Atkinson's Premier Bank to get new president - Daily Jefferson County Union](https://news.google.com/rss/articles/CBMiygFBVV95cUxPSUZvS1M5RTBfTW9WU2pWVTE2aS1iMWtEYjQ1cWhpQkpVNnhsZTFieWNfZG5EQ21tdGVsUTJwM2VpOUVVTWt3ckMyang5T1ZhSlBnRnQ2UUVwMHFURGl6cWQ1eFRrcDFvQnZxM3V1NHhJemNWY3VUMXdVdnM2QkNTVEMxOUlFS2pqRndSZTg1UTJGNFJSTXNWMk1HRld4TGQwalQyYWlSYjl4eDl2dHEzVE8weU9QWXVlY2R0SkYtQ0J0UU1WamlsZUNB?oc=5) · Daily Jefferson County Union
- 2018-05-30 [Matt Zastrow joins PremierBank as veteran banker - AP News](https://news.google.com/rss/articles/CBMimAFBVV95cUxQQlotYzhBSWpMeE9RVHlfNUc0VjRSSGVIM0pDZUJrcXFMX054TGdMc1Zwbm5VMmc2WDJ2U3dMQUZkMjlIUUluOGVWVFh3azZfZGYwbkYxV0lwTzk5T0ZiX25fY0JvRjVnU0I2WUQ5VkRVVTV1MTVfNDZzZl9TZzhjSE8tVVlIRUYyVUg3Y0FGQ0pGRFpieXR4RA?oc=5) · AP News
- 2025-01-30 [PremierBank announces five promotions - wdtimes.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxQemM3ZnVscDBiRVRlZG9SVmVyTC1rRXNJVzVHSEpCUG9XMDlzLUowWE9WZ1A0T2x6ZXdRLUJsMDU1cHAwTTZyMW9LMU0tOGZuX182Z3BRM3BWOFhaR0hneFBtN1JaaFF1SEU1bW5mZ1hXWG1DSlZwcVN2TDBrbWhqMXRyUjJJVHNqU2wwbkNNOUpsTlFKTnNHYndzUjRjamRKcGJVbG02YjJqUzFiQWFQUXVYMGtreHZsR1NUcg?oc=5) · wdtimes.com
- 2025-10-09 [Richard A. James | Obituaries - Daily Jefferson County Union](https://news.google.com/rss/articles/CBMipgFBVV95cUxOeDczcVZueUFZbVZDNFVrWVNRR1gtQkJtLXpNLUlSX2tFZXhzYWwxN05Ia29ZRmRjakhsUzNSQlRURVloNTJnOXZvRWZOcVpPNExQemlDMFlfc2xZRWFNZGpib1VZX0lIYk5Wamk1dGtzdlJsMGF2MXBZaVZhX1g1Q1docUd4RFdYRVZyMGlaTkNreTl0TG85am5jLVlfaEhFR2p6MFdR?oc=5) · Daily Jefferson County Union
- 2021-09-23 [PremierBank CEO Turk participates in “Boss Lift” with Wisconsin National Guard Guard - Daily Jefferson County Union](https://news.google.com/rss/articles/CBMihwJBVV95cUxPMmNXVWZIU2puaUNiQ09HUjFuQzFVQjB3SEVtZHJOVTdrRjVlYlAwTGNaWW82QWREM0YyWkJ0Wl9KUnlmSXlPaFdwNDFtVHhLdndabmRGQ215RS1QWm1QakFyWWdDTVFYdkZHWGlJakJvdDA0MUFCczVVTVNYWmdqdkkxTERLeDNPUGNTLUl6V19iZlNSckxTR3NWQkdCaHgxUVN4S1QxV19Qd1lWS0o4RlZsN1lKak5UdFRPdTRVZmZzNDZwX2pDeUh6cWN2cTFtUzRqWUV4MmZtTzFCc2xtWDBaTktNV21xYnlEVEl3MFJlWTZPMmpCX1hzRUkxMFJ1cDlfU1k3NA?oc=5) · Daily Jefferson County Union

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5295 (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/47.json (key "5295", 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