# FIRST PREMIER BANK
SIOUX FALLS, SD · FDIC certificate 6085 · asset band $1-10B · latest filing 2026-06 · live

**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 | $3.64B | |
| Deposits | $2.89B | |
| Loans and leases | $2.14B | |
| Total equity | $493.3M | |
| Loans / deposits | 72.74% (p20 of band) | 87.10% |
| Liquid assets / assets | 36.89% (p87 of band) | |
| Uninsured deposits / deposits | 56.10% (p94 of band) | 30.76% |
| Brokered deposits | 14.53% | |
| Wholesale funding | 19.62% (p89 of band) | |
| FHLB advances / assets | 5.09% | |
| Tier 1 leverage | 13.67% (p88 of band) | 10.50% |
| Unrealized securities loss / equity | -6.24% (p57 of band) | -7.75% |
| AOCI / equity | -0.83% (p22 of band) | |
| ROA (annualized) | 1.79% (p82 of band) | 1.26% |
| Net interest margin | 3.52% (p38 of band) | 3.70% |
| Efficiency ratio | 57.61% (p45 of band) | |
| Noncurrent loans | 0.10% (p13 of band) | 0.51% |
| Net charge-offs (annualized) | 0.11% (p77 of band) | |
| Reserve coverage of noncurrent | 1476.74% | |
| Real estate % of loans | 33% | |
| Construction % of loans | 24.98% (p23 of band) | |
| Auto loans | $78.7M (3.68% of loans; DQ 0.98%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 13.3% | |
| Employees | 391 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 0 |  | reserve under noncurrent, capital falling |
| 2012-03 | 3 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 1 | uninsured deposits leaving | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | capital falling | uninsured deposits leaving |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | uninsured deposits >50%, brokered >10% |  |
| 2014-03 | 2 | capital falling | uninsured deposits >50% |
| 2014-06 | 3 | wholesale funding >15% |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 | uninsured deposits >50% | wholesale funding >15% |
| 2015-03 | 2 |  | capital falling |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 4 | deposits shrinking, assets shrinking |  |
| 2016-03 | 2 | capital falling | brokered >10%, deposits shrinking, assets shrinking |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | brokered >10%, deposits shrinking | capital falling |
| 2016-12 | 1 |  | brokered >10%, deposits shrinking |
| 2017-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 2 | brokered >10% | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | capital falling |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | capital falling |
| 2018-12 | 3 | wholesale funding >15% |  |
| 2019-03 | 2 |  | wholesale funding >15% |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 | charge-offs p90 | capital falling |
| 2020-06 | 2 |  | brokered >10% |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-12 | 2 |  | assets shrinking, uninsured deposits leaving |
| 2023-03 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 2 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | brokered >10% |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | wholesale funding >15% |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

## 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
- 2026-07-28 [Leadership, services to remain unchanged, First PREMIER Bank says - Argus Leader](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPaWpPN2ZQNFNqYkpYZEdJTEtMWVFralM0SE5RTnNSZFM2cnQ5SVBsZXAzSUxTTURwekR0aVA3ZTFsNmpTVFdfT1Q3VDJyQnBXdlhhZWtzVGJrRE5CSXhySGVzdWdvdDcwYlRyOGpyMmdNNWhyaC1xWG1uQUhTUTYzTjlEc0FhUU9udzQyNTBER3Rqb0VGbG9iN0VuZGd5SmNxNUZvZUluY0JGWjV4RWpJMDBCa0s3ZGlVTkNDeU5VSEtGc2tsYkpobUFpMzh5WGJEQm9xdmo1Rm03a3RNMVQ3eEZLX1JEdw?oc=5) · Argus Leader
- 2026-07-18 [Business founder, philanthropist T. Denny Sanford dies - SiouxFalls.Business](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUjBUbFBFdlBqb2RrNDJoY2MwQzI2b190bFVZWUwySDltbVRUSDVKazRnQ19EMG1jdW9ULVc2R004UlBMSm9vUEg5MTFrUzlZV3V5SmNlZ0FWX2l4d1kzVnoyNUJuMVk3T184Um1xeV9UejRXcGxaYmRxX2JPTWFQUWRmVlh1M0xT?oc=5) · SiouxFalls.Business
- 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
- 2026-07-19 [State leaders mourn loss of ‘greatest philanthropist in South Dakota history’ - South Dakota Searchlight](https://news.google.com/rss/articles/CBMivwFBVV95cUxNZEVRS0ZZdjltbVRSTk1QTlhObVNrenlSNFNsbDZjSDFxMV9vWUpLSUthV19lbGcxNkpXVDdWMXFmamZLaTlZdm5IMFVqRE5CRVduVkpFZGZBSjI4c1V6TVVJNS1VMk9kNVRLM0tRV1NiXzg2cmFxcVBaalFRdmRYcUl2UkkwbEQ1dHdZU1JuVFV0SUN2djBtV0p5SnlYYWVFMC1DdWxDSE9yOEh5aVhqT0w4VUcteGhTY01rN00yNA?oc=5) · South Dakota Searchlight
- 2026-07-20 [Philanthropist Banker T. Denny Sanford Remembered by PREMIER Bank and Sanford Health - Midwest Medical Edition](https://news.google.com/rss/articles/CBMie0FVX3lxTE1kWUxvUmtkZ0wxVEhiRWV0djAxT3hsM05Qd0V5a1FVVFlkT1pTUFdkQ3FWZGRGVjFVUWdid1VERnlPcXVndUc2YUw2UkhxYS1GNlM3MmZ2dTBXbHpZMEt4RXRqcExOek9naHFqVXNPb2UzNTFKTFduLUs5aw?oc=5) · Midwest Medical Edition
- 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
- 2026-04-12 [World No. 1 John Crimber wins Round 2 with walk-off ride to lead First PREMIER Bank PBR Sioux Falls - PBR | Professional Bull Riders](https://news.google.com/rss/articles/CBMizAFBVV95cUxPeGljUGFMMnExbDc0NkxFaklQVklvU281cjJvZjVUc19oZDJsR25reDJxbF96dGp5WGxxTnAyVl91LThXRzkwLXNTSVBqTVllaU5VaFpoQ1JiYlBsNVVSSDNlU0tZV1d3OS0yaDBORk5xaHNyaWNFZXk2NC1fRzM2UThHTU1rOWNVdU1IbUNtZlEyQmQ5RVY1UnV6ajE5X1V0VGQ2OWJIcUR1YVlvb1FtekRzWW4ya3Nra1lTT19QMlEtQVdNN2VYaUh2S04?oc=5) · PBR | Professional Bull Riders

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6085 (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 "6085", 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