TellerScore

Premier Bank is a state-chartered bank headquartered in Maplewood, Minnesota, in business for about 52 years. At the end of Q2 2026 it reported $1.2B in total assets and $1.0B in deposits, with 8 offices.

Premier Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 897 banks with $1 billion – $10 billion. Among 223 banks headquartered in Minnesota, it ranks 51st. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (39/100, 84% loans-to-deposits, 49% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.24%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings98/100
Return on assets (annualized): 1.95%
Funding & liquidity39/100
Loans ÷ deposits and uninsured-deposit share: 84.1% · 48.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.02%

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 3 points (73 → 76), mostly because the earnings component improved by 16 points.

TellerScore
626976Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202471
Q4 202471
Q1 202562
Q2 202573
Q3 202576
Q4 202574
Q1 202676
Q2 202676
Tier 1 leverage ratio
5.00%7.97%10.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.95%
Q3 202410.32%
Q4 202410.09%
Q1 202510.50%
Q2 202510.38%
Q3 202510.94%
Q4 202510.37%
Q1 202610.13%
Q2 202610.24%
Noncurrent loans
0.00%0.64%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.64%
Q3 20240.08%
Q4 20240.07%
Q1 20251.27%
Q2 20250.09%
Q3 20250.08%
Q4 20250.05%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.32%1.65%1.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.32%
Q3 20241.36%
Q4 20241.39%
Q1 20251.58%
Q2 20251.55%
Q3 20251.65%
Q4 20251.66%
Q1 20261.98%
Q2 20261.95%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$1.2B10.24%0.00%1.95%84.1%
Q1 202676$1.2B10.13%0.00%1.98%85.3%
Q4 202574$1.1B10.37%0.05%1.66%84.6%
Q3 202576$1.1B10.94%0.08%1.65%88.6%
Q2 202573$1.1B10.38%0.09%1.55%86.6%
Q1 202562$1.1B10.50%1.27%1.58%87.9%
Q4 202471$1.1B10.09%0.07%1.39%83.8%
Q3 202471$1.1B10.32%0.08%1.36%89.9%
Q2 202465$1.1B9.95%0.64%1.32%90.6%

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 ratio10.24%
44th
Total risk-based capital13.74%
51st
Problem loans0.00%
96th
Net charge-offs-0.02%
96th
Return on assets1.95%
86th
Net interest margin4.44%
85th
Efficiency ratio39.6%
92nd
Loans to deposits84.1%
57th
Uninsured deposits48.8%
11th
Loan-loss reserves1.40%
80th
Texas ratio0.0%
97th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
First Resource BankBank Lino Lakes, MN66 out of 100, Moderate$1.1B8.3%0.09%vs
The First National Bank of BemidjiBank Bemidji, MN62 out of 100, Moderate$1.1B11.1%1.99%vs
MidCountry BankBank Minneapolis, MN72 out of 100, Strong$1.1B13.0%0.90%vs
United Bankers' BankBank Richfield, MN74 out of 100, Strong$1.1B14.5%0.76%vs
Security Bank & Trust CompanyBank Glencoe, MN74 out of 100, Strong$1.3B9.4%0.34%vs
Citizens Alliance BankBank Clara City, MN47 out of 100, Below average$1.4B9.8%1.48%vs

Deposit insurance

Is my money safe at Premier Bank?

Yes. Premier Bank is an FDIC-insured institution (FDIC certificate #21714). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 48.8% of deposits ($510.9M) 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 10.24%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.74% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Premier Bank lists 8 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Premier Bank reported 32 home-loan applications under HMDA (LEI 5493007NUZE2Z68U3P36): 30 originated ($12,370,000 total), 2 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.3%, 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
Premier Bank
Former names
Maplewood State Bank
Type
State-chartered bank
FDIC certificate #
21714
RSSD ID
33259
Primary regulator
FDIC
Holding company
Pb Bancshares Inc
Established
August 1, 1974
Headquarters
2866 White Bear Ave N, Maplewood, MN 55109
Employees
102

Quick answers

Premier Bank: common questions

Is Premier Bank FDIC insured?

Yes. Premier Bank is an FDIC-insured institution (FDIC certificate #21714). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Premier Bank's TellerScore?

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

Has Premier Bank ever failed?

There is no failure record for FDIC certificate #21714 in the FDIC failed bank list.

How many branches does Premier Bank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Maplewood

InstitutionScoreAssetsCapitalProblem loansCompare
Vermillion State BankBank Vermillion, MN90 out of 100, Very strong$931.4M13.4%0.24%vs
Ziegler Federal Credit UnionCredit union Bloomington, MN87 out of 100, Very strong$4.3M26.9%1.09%vs
Carpenters Federal Credit UnionCredit union Saint Paul, MN86 out of 100, Very strong$44.3M16.0%1.01%vs
Think Mutual BankBank Rochester, MN86 out of 100, Very strong$2.2B16.3%0.25%vs
PrinsBankBank Prinsburg, MN85 out of 100, Very strong$308.3M12.0%0.29%vs
Toro Employees Federal Credit UnionCredit union Bloomington, MN84 out of 100, Strong$41.5M14.5%0.56%vs