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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Dubuque, IA · FDIC certificate #34849
PREMIER BANK is an FDIC-insured institution based in Dubuque, IA (FDIC certificate #34849). In its Q3 2026 Call Report it reported total assets of $348M, total deposits of $299M and net loans of $274M. Its primary federal regulator is FED.
Plain-language readout
PREMIER BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $371M in Q1 2026 and were lowest at $348M in Q3 2026.
Total deposits were highest at $316M in Q1 2026 and lowest at $299M in Q3 2026.
Over the whole period total assets fell 6.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $348M | $299M | $274M | 1.20% | 14.76% | 3.45% |
| Q2 2026 | $358M | $305M | $263M | 1.15% | 14.28% | 3.34% |
| Q1 2026 | $371M | $316M | $251M | 1.09% | 13.61% | 3.25% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $28.6M | $51.5M | -$22.9M | -44.5% |
| Federal funds sold | $102K | $133K | -$31K | -23.3% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $54.1M | $57.3M | -$3.2M | -5.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $1.5M | $962K | +$523K | +54.4% |
| Net loans and leases (after allowance) | $261.7M | $249.5M | +$12.1M | +4.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.8M | $4.8M | -$22K | -0.5% |
| Other real estate owned | $626K | $0K | +$626K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $6.4M | $6.5M | -$110K | -1.7% |
| Total assets | $357.7M | $370.7M | -$13.0M | -3.5% |
| Liabilities | ||||
| Total deposits | $304.8M | $316.4M | -$11.6M | -3.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $12.9M | $13.9M | -$964K | -6.9% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $6.3M | $6.3M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.9M | $4.6M | +$322K | +7.0% |
| Total liabilities | $329.0M | $341.2M | -$12.2M | -3.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $10K | $10K | $0K | 0.0% |
| Surplus | $21.5M | $21.5M | +$19K | +0.1% |
| Retained earnings | $10.6M | $11.6M | -$1.0M | -8.9% |
| Accumulated other comprehensive income | -$3.4M | -$3.6M | +$234K | +6.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $28.7M | $29.5M | -$778K | -2.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $800K | $854K | -$54K | -6.3% |
| Adjusted nonperforming assets | $800K | $854K | -$54K | -6.3% |
| Tangible equity plus allowance | $31.1M | $32.0M | -$878K | -2.7% |
| Texas ratio (gross) | 2.57% | 2.67% | -0.10 pts | See points |
| Texas ratio (adjusted) | 2.57% | 2.67% | -0.10 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.57% | 2.67% | -0.10 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.40% | 13.17% | -0.77 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.40% | 13.17% | -0.77 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.00% | 1.07% | -0.07 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.40% | 14.24% | -0.84 pts | See points |
| Tier 1 leverage (approximate) | 8.90% | 9.15% | -0.26 pts | See points |
| Construction and land loans to total capital | 20.07% | 17.97% | +2.10 pts | See points |
| Commercial real estate to total capital | 124.71% | 120.79% | +3.91 pts | See points |
| Dividend payout, year to date | 160.86% | 124.08% | +36.78 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -4.53% | -3.97% | -0.56 pts | See points |
| Liquidity | ||||
| Core deposits | $292.1M | $303.3M | -$11.2M | -3.7% |
| Non-core funding | $31.9M | $33.3M | -$1.4M | -4.1% |
| Loans to core deposits | 90.39% | 83.09% | +7.30 pts | See points |
| Loans to deposits | 86.63% | 79.65% | +6.98 pts | See points |
| Brokered deposits share of deposits | 0.13% | 0.16% | -0.03 pts | See points |
| Pledged securities share of securities | 58.92% | 60.96% | -2.05 pts | See points |
| Loans pledged, share of loans | 77.86% | 77.75% | +0.11 pts | See points |
| Volatile liabilities | $31.9M | $33.3M | -$1.4M | -4.1% |
| Earnings | ||||
| Earnings before provision, year to date | $2.2M | $1.0M | +$1.1M | +108.2% |
| Earnings before provision, single quarter | $1.1M | $1.0M | +$85K | +8.2% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.47% | 5.39% | +0.08 pts | See points |
| Yield on interest-bearing balances due from banks | 0.00% | 0.00% | 0.00 pts | See points |
| Total interest income to average assets | 4.63% | 4.51% | +0.12 pts | See points |
| Cost of interest-bearing transaction accounts | 1.27% | 1.14% | +0.13 pts | See points |
| Cost of savings and money market deposits | 1.75% | 1.84% | -0.09 pts | See points |
| Cost of time deposits | 2.98% | 3.11% | -0.12 pts | See points |
| Total interest expense to average assets | 1.36% | 1.37% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $348M | $299M | $274M | 1.20% | 14.76% | 3.45% |
| 2026-06-30 | $358M | $305M | $263M | 1.15% | 14.28% | 3.34% |
| 2026-03-31 | $371M | $316M | $251M | 1.09% | 13.61% | 3.25% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IA | $293.1M | 0.23% | 93 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.