TellerScore

Headquartered in Hastings, Minnesota, Premier Bank Minnesota is a state-chartered bank with $691.5M in total assets and $620.1M in deposits as of Q2 2026. It operates 12 offices. Its charter dates back to 1990.

Based on its Q2 2026 filing, Premier Bank Minnesota scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 45th. Its strongest component is loan quality (99/100; 0.04%), and its lowest is capital cushion (50/100; 10.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 10.02%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings97/100
Return on assets (annualized): 1.93%
Funding & liquidity55/100
Loans ÷ deposits and uninsured-deposit share: 86.9% · 31.6% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.32%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 77).

TellerScore
707478Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202474
Q4 202475
Q1 202570
Q2 202576
Q3 202577
Q4 202578
Q1 202676
Q2 202677
Tier 1 leverage ratio
5.00%8.11%11.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.05%
Q3 202410.21%
Q4 202410.44%
Q1 202510.81%
Q2 202510.86%
Q3 202511.16%
Q4 202511.22%
Q1 20269.73%
Q2 202610.02%
Noncurrent loans
0.02%0.38%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.04%
Q4 20240.04%
Q1 20250.73%
Q2 20250.03%
Q3 20250.18%
Q4 20250.02%
Q1 20260.06%
Q2 20260.04%
Return on assets
1.36%1.68%2.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.39%
Q3 20241.36%
Q4 20241.44%
Q1 20251.66%
Q2 20251.56%
Q3 20251.69%
Q4 20251.68%
Q1 20262.00%
Q2 20261.93%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$691.5M10.02%0.04%1.93%86.9%
Q1 202676$699.2M9.73%0.06%2.00%88.0%
Q4 202578$710.0M11.22%0.02%1.68%88.7%
Q3 202577$702.2M11.16%0.18%1.69%89.1%
Q2 202576$696.0M10.86%0.03%1.56%92.0%
Q1 202570$686.1M10.81%0.73%1.66%92.4%
Q4 202475$676.8M10.44%0.04%1.44%93.3%
Q3 202474$673.7M10.21%0.04%1.36%93.0%
Q2 202473$689.8M10.05%0.04%1.39%91.3%

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 ratio10.02%
32nd
Total risk-based capital13.68%
60th
Problem loans0.04%
80th
Net charge-offs-0.01%
87th
Return on assets1.93%
85th
Net interest margin4.49%
79th
Efficiency ratio58.0%
63rd
Loans to deposits86.9%
33rd
Uninsured deposits31.6%
24th
Loan-loss reserves1.31%
63rd
Texas ratio0.3%
80th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
HomeTown BankBank Carver, MN64 out of 100, Moderate$691.9M8.3%0.37%vs
The Bank of Elk RiverBank Elk River, MN59 out of 100, Moderate$719.1M9.1%1.20%vs
BankVistaBank Sartell, MN46 out of 100, Below average$651.1M9.9%2.21%vs
FM BankBank Waseca, MN66 out of 100, Moderate$738.4M7.7%0.00%vs
Platinum BankBank Oakdale, MN55 out of 100, Moderate$739.1M8.5%0.81%vs
First Independent BankBank Russell, MN76 out of 100, Strong$632.3M9.9%0.14%vs

Deposit insurance

Is my money safe at Premier Bank Minnesota?

Yes. Premier Bank Minnesota is an FDIC-insured institution (FDIC certificate #33204). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.6% of deposits ($195.9M) 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 10.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.68% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

Premier Bank Minnesota lists 12 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Premier Bank Minnesota reported 73 home-loan applications under HMDA (LEI 549300ZQ87KRTMFMIK55): 30 originated ($60,590,000 total), 7 denied, and 26 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.9%, 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 Minnesota
Former names
Premier Bank Metro South
Type
State-chartered bank
FDIC certificate #
33204
RSSD ID
1481745
Primary regulator
FDIC
Holding company
Pb Family Bancshares Inc
Established
October 5, 1990
Headquarters
101 10th St E, Hastings, MN 55033
Employees
90

Quick answers

Premier Bank Minnesota: common questions

Is Premier Bank Minnesota FDIC insured?

Yes. Premier Bank Minnesota is an FDIC-insured institution (FDIC certificate #33204). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Premier Bank Minnesota's TellerScore?

77 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 Minnesota ever failed?

There is no failure record for FDIC certificate #33204 in the FDIC failed bank list.

How many branches does Premier Bank Minnesota have?

12 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hastings

InstitutionScoreAssetsCapitalProblem loansCompare
Castle Rock BankBank Castle Rock, MN93 out of 100, Very strong$293.5M14.2%0.01%vs
Vermillion State BankBank Vermillion, MN90 out of 100, Very strong$931.4M13.4%0.24%vs
Think Mutual BankBank Rochester, MN86 out of 100, Very strong$2.2B16.3%0.25%vs
Carpenters Federal Credit UnionCredit union Saint Paul, MN86 out of 100, Very strong$44.3M16.0%1.01%vs
Red Wing Credit UnionCredit union Red Wing, MN83 out of 100, Strong$208.0M12.5%0.30%vs
Pipefitters-Steamfitters Credit UnionCredit union Woodbury, MN83 out of 100, Strong$51.6M13.4%1.07%vs