TellerScore

Premier Bank is a state-chartered bank (fed member) headquartered in Dubuque, Iowa, in business for about 28 years. At the end of Q2 2026 it reported $357.7M in total assets and $304.8M in deposits, with 3 offices.

Based on its Q2 2026 filing, Premier Bank scores 67/100, which we describe as moderate. That is higher than only 34% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 159th. Its strongest component is loan quality (98/100; 0.07%), and its lowest is capital cushion (39/100; 8.90%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Tier 1 leverage ratio: 8.90%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.07%
Earnings66/100
Return on assets (annualized): 1.15%
Funding & liquidity53/100
Loans ÷ deposits and uninsured-deposit share: 86.3% · 33.9% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.57%

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 4 points (63 → 67), mostly because the earnings component improved by 17 points.

TellerScore
495867Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202451
Q3 202451
Q4 202449
Q1 202561
Q2 202563
Q3 202565
Q4 202564
Q1 202666
Q2 202667
Tier 1 leverage ratio
5.00%7.33%9.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20248.62%
Q3 20248.85%
Q4 20248.78%
Q1 20258.82%
Q2 20259.37%
Q3 20259.67%
Q4 20259.54%
Q1 20269.15%
Q2 20268.90%
Noncurrent loans
0.07%0.68%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.98%
Q3 20240.99%
Q4 20241.30%
Q1 20250.28%
Q2 20250.28%
Q3 20250.27%
Q4 20250.28%
Q1 20260.34%
Q2 20260.07%
Return on assets
0.43%0.79%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.43%
Q3 20240.43%
Q4 20240.45%
Q1 20250.68%
Q2 20250.73%
Q3 20250.78%
Q4 20250.84%
Q1 20261.09%
Q2 20261.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$357.7M8.90%0.07%1.15%86.3%
Q1 202666$370.7M9.15%0.34%1.09%79.2%
Q4 202564$364.7M9.54%0.28%0.84%81.6%
Q3 202565$344.8M9.67%0.27%0.78%86.5%
Q2 202563$347.5M9.37%0.28%0.73%85.8%
Q1 202561$358.5M8.82%0.28%0.68%83.1%
Q4 202449$371.2M8.78%1.30%0.45%85.0%
Q3 202451$375.9M8.85%0.99%0.43%86.7%
Q2 202451$374.2M8.62%0.98%0.43%88.4%

2,650 peers · $100 million – $1 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 ratio8.90%
11th
Total risk-based capital13.40%
59th
Problem loans0.07%
77th
Net charge-offs0.08%
23rd
Return on assets1.15%
44th
Net interest margin3.34%
21st
Efficiency ratio66.2%
39th
Loans to deposits86.3%
34th
Uninsured deposits33.9%
19th
Loan-loss reserves0.90%
17th
Texas ratio2.6%
51st

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
American State BankBank Osceola, IA83 out of 100, Strong$360.8M11.1%0.04%vs
Citizens First BankBank Clinton, IA46 out of 100, Below average$361.3M8.2%1.71%vs
Glenwood State BankBank Glenwood, IA77 out of 100, Strong$352.9M12.5%1.51%vs
Iowa State Bank and Trust Company of Fairfield, IowaBank Fairfield, IA64 out of 100, Moderate$352.1M8.0%0.10%vs
New Albin Savings BankBank New Albin, IA92 out of 100, Very strong$350.6M15.5%0.00%vs
Commercial Savings BankBank Carroll, IA62 out of 100, Moderate$348.8M8.4%0.99%vs

Deposit insurance

Is my money safe at Premier Bank?

Yes. Premier Bank is an FDIC-insured institution (FDIC certificate #34849). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.9% of deposits ($103.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.90%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.40% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Premier Bank lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Premier Bank reported 54 home-loan applications under HMDA (LEI 254900RZHOIGZ93T3S32): 49 originated ($14,025,000 total), 1 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.0%, 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
Type
State-chartered bank (Fed member)
FDIC certificate #
34849
RSSD ID
2687133
Primary regulator
FED
Holding company
Premier Financial Corp
Established
October 13, 1998
Headquarters
2625 Nw Arterial, Dubuque, IA 52002
Employees
39

Quick answers

Premier Bank: common questions

Is Premier Bank FDIC insured?

Yes. Premier Bank is an FDIC-insured institution (FDIC certificate #34849). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Premier Bank's TellerScore?

67 out of 100 (Moderate), 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 #34849 in the FDIC failed bank list.

How many branches does Premier Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Dubuque

InstitutionScoreAssetsCapitalProblem loansCompare
Dubuque Postal Employees Credit UnionCredit union Dubuque, IA92 out of 100, Very strong$4.3M15.3%0.00%vs
Bellevue State BankBank Bellevue, IA92 out of 100, Very strong$187.7M14.3%0.16%vs
Mound City BankBank Platteville, WI86 out of 100, Very strong$550.7M13.1%0.11%vs
Conservation First BankBank Benton, WI82 out of 100, Strong$127.5M14.0%0.74%vs
Peoples State BankBank Prairie Du Chien, WI80 out of 100, Strong$993.0M11.5%0.21%vs
Aim Credit UnionCredit union Dubuque, IA79 out of 100, Strong$201.2M13.1%0.60%vs