Premier Bank (FDIC #34384): Bank Stress & Real-Estate Credit Exposure
Premier Bank (FDIC Cert #34384): bank stress 44/100, contained, STABLE over 7 days; parent PREMIER HOLDINGS LTD.
Premier Bank (#34384) lends in 5 counties across 3 states; Premier Bank (#34384) reaches 59 ZIP codes: Iowa 2 counties, 26 ZIPs; South Dakota 2 counties, 18 ZIPs; Minnesota 1 county, 17 ZIPs.
Premier Bank (#34384) largest markets: Sioux County, IA (19 branches, 19 ZIPs) (#34384), Nobles County, MN (17 branches, 17 ZIPs) (#34384), Lyon County, IA (24 branches, 12 ZIPs) (#34384), Lincoln County, SD (12 branches, 12 ZIPs) (#34384), Union County, SD (9 branches, 9 ZIPs) (#34384).
Premier Bank (#34384) reports $826.5 million in total assets; Premier Bank (#34384) equity $87.3 million (10.6% of Premier Bank (#34384) assets); Premier Bank (#34384) domestic deposits $671.7 million; Premier Bank (#34384) net income $9.1 million; Premier Bank (#34384) return on assets 2.24%; Premier Bank (#34384) return on equity 21.87%; Premier Bank (#34384) net interest income $15.8 million; Premier Bank (#34384) call report June 30, 2026.
Premier Bank (#34384) noncurrent real-estate loans: none reported; Premier Bank (#34384) net charge-offs on real estate 0.43%; Premier Bank (#34384) residential charge-offs 1.71%.
Premier Bank (#34384) net interest margin 4.09% against an eight-quarter Premier Bank (#34384) average of 3.79% (Premier Bank (#34384) compression -0.30 points); Premier Bank (#34384) non-residential real estate 171.0% of equity; Premier Bank (#34384) rate-exposure score 40/100, Premier Bank (#34384) fixed-rate trap 40/100; Premier Bank (#34384) risk type credit driven; Premier Bank (#34384) rate regime rates elevated, Premier Bank (#34384) snapshot October 19, 2026.
Premier Bank (#34384) stress score moved from 46.1 on June 22, 2026 to 43.8 on October 19, 2026; Premier Bank (#34384) ranged 43.8 to 46.1 over 116 snapshots.
Premier Bank (#34384) alerts: 5 counties; top Premier Bank (#34384) alert scores: Adrian County, IA 18 (low); Alcester County, IA 18 (low); Hudson County, IA 18 (low); Rock Rapids County, IA 18 (low); Rock Valley County, IA 18 (low).