TellerScore

First PREMIER Bank (FDIC certificate #6085) is based in Sioux Falls, South Dakota. Its Q2 2026 call report shows $3.6B in total assets and $2.9B in deposits and 13 offices.

First PREMIER Bank has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 97% of its 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in South Dakota, it ranks 10th. Problem-loan coverage contributes the most (99/100, 0.4%); funding & liquidity contributes the least (42/100, 73% loans-to-deposits, 56% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion87/100
Tier 1 leverage ratio: 13.67%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.10%
Earnings92/100
Return on assets (annualized): 1.79%
Funding & liquidity42/100
Loans ÷ deposits and uninsured-deposit share: 72.7% · 56.1% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.40%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (83 → 85), mostly because the earnings component improved by 6 points.

TellerScore
808385Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202482
Q4 202483
Q1 202584
Q2 202583
Q3 202584
Q4 202585
Q1 202684
Q2 202685
Tier 1 leverage ratio
5.00%9.53%14.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.09%
Q3 202413.36%
Q4 202413.33%
Q1 202513.92%
Q2 202513.92%
Q3 202514.06%
Q4 202513.71%
Q1 202613.75%
Q2 202613.67%
Noncurrent loans
0.06%0.11%0.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.06%
Q3 20240.06%
Q4 20240.09%
Q1 20250.07%
Q2 20250.15%
Q3 20250.16%
Q4 20250.12%
Q1 20260.14%
Q2 20260.10%
Return on assets
1.65%1.72%1.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.65%
Q3 20241.68%
Q4 20241.73%
Q1 20251.67%
Q2 20251.65%
Q3 20251.69%
Q4 20251.67%
Q1 20261.69%
Q2 20261.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$3.6B13.67%0.10%1.79%72.7%
Q1 202684$3.6B13.75%0.14%1.69%73.3%
Q4 202585$4.2B13.71%0.12%1.67%60.8%
Q3 202584$3.3B14.06%0.16%1.69%80.1%
Q2 202583$3.1B13.92%0.15%1.65%82.8%
Q1 202584$3.1B13.92%0.07%1.67%79.4%
Q4 202483$3.3B13.33%0.09%1.73%72.9%
Q3 202482$3.1B13.36%0.06%1.68%80.6%
Q2 202480$3.0B13.09%0.06%1.65%79.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.67%
89th
Total risk-based capital21.18%
94th
Problem loans0.10%
87th
Net charge-offs0.19%
20th
Return on assets1.79%
82nd
Net interest margin3.52%
38th
Efficiency ratio57.6%
55th
Loans to deposits72.7%
80th
Uninsured deposits56.1%
6th
Loan-loss reserves1.44%
83rd
Texas ratio0.4%
91st

Similar-size banks in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
First Dakota National BankBank Yankton, SD72 out of 100, Strong$3.4B10.4%0.30%vs
Sunrise Banks, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$2.8B10.2%1.34%vs
First Bank & TrustBank Brookings, SD70 out of 100, Strong$4.8B10.4%0.42%vs
Dacotah BankBank Aberdeen, SD55 out of 100, Moderate$4.9B10.1%1.52%vs
American Bank & TrustBank Sioux Falls, SD72 out of 100, Strong$2.2B11.3%0.57%vs
The First National Bank in Sioux FallsBank Sioux Falls, SD67 out of 100, Moderate$2.1B10.3%0.41%vs

Deposit insurance

Is my money safe at First PREMIER Bank?

Yes. First PREMIER Bank is an FDIC-insured institution (FDIC certificate #6085). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 56.1% of deposits ($1.6B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.67%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.18% (benchmark: 10%).

Check how much of your own balance is covered

13 locations

Branches

First PREMIER Bank lists 13 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First PREMIER Bank reported 1,511 home-loan applications under HMDA (LEI 549300Z77WUYJM3QG591): 977 originated ($230,795,000 total), 234 denied, and 269 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First PREMIER Bank
Former names
United National Bank of Vermillion; United National Bank; First Interstate Bank of South Dakota, National Association; Citizens Bank; United National Bank of South Dakota
Type
State-chartered bank (Fed member)
FDIC certificate #
6085
RSSD ID
374653
Primary regulator
FED
Holding company
United National Corp
Established
January 1, 1914
Headquarters
500 S Minnesota Ave, Sioux Falls, SD 57104
Employees
391

Quick answers

First PREMIER Bank: common questions

Is First PREMIER Bank FDIC insured?

Yes. First PREMIER Bank is an FDIC-insured institution (FDIC certificate #6085). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First PREMIER Bank's TellerScore?

85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First PREMIER Bank ever failed?

There is no failure record for FDIC certificate #6085 in the FDIC failed bank list.

How many branches does First PREMIER Bank have?

13 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Sioux Falls

InstitutionScoreAssetsCapitalProblem loansCompare
Security National Bank of South DakotaBank Dakota Dunes, SD93 out of 100, Very strong$251.5M14.1%0.00%vs
Merchants State BankBank Freeman, SD91 out of 100, Very strong$219.6M17.3%0.32%vs
First Savings BankBank Beresford, SD83 out of 100, Strong$1.6B19.3%0.90%vs
First Dakota National BankBank Yankton, SD72 out of 100, Strong$3.4B10.4%0.30%vs
American Bank & TrustBank Sioux Falls, SD72 out of 100, Strong$2.2B11.3%0.57%vs
Liberty National BankBank Sioux City, IA71 out of 100, Strong$624.4M10.3%0.00%vs