TellerScore

PremierBank is a state-chartered bank headquartered in Fort Atkinson, Wisconsin, in business for about 163 years. At the end of Q2 2026 it reported $583.9M in total assets and $444.2M in deposits, with 7 offices.

PremierBank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 89th. Problem-loan coverage contributes the most (96/100, 2.0%); capital cushion contributes the least (48/100, 9.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.80%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.24%
Earnings64/100
Return on assets (annualized): 1.10%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 86.6% · 19.3% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.96%

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 6 points (64 → 70), mostly because the earnings component improved by 27 points.

TellerScore
606570Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202461
Q3 202462
Q4 202462
Q1 202560
Q2 202564
Q3 202566
Q4 202567
Q1 202669
Q2 202670
Tier 1 leverage ratio
5.00%7.40%9.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.12%
Q3 20249.23%
Q4 20249.25%
Q1 20259.30%
Q2 20259.21%
Q3 20259.46%
Q4 20259.60%
Q1 20269.51%
Q2 20269.80%
Noncurrent loans
0.24%0.34%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.44%
Q3 20240.36%
Q4 20240.34%
Q1 20250.33%
Q2 20250.27%
Q3 20250.29%
Q4 20250.32%
Q1 20260.31%
Q2 20260.24%
Return on assets
0.01%0.55%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.34%
Q3 20240.38%
Q4 20240.38%
Q1 20250.01%
Q2 20250.43%
Q3 20250.62%
Q4 20250.77%
Q1 20261.03%
Q2 20261.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$583.9M9.80%0.24%1.10%86.6%
Q1 202669$586.0M9.51%0.31%1.03%80.8%
Q4 202567$580.0M9.60%0.32%0.77%80.2%
Q3 202566$560.7M9.46%0.29%0.62%79.7%
Q2 202564$558.3M9.21%0.27%0.43%78.9%
Q1 202560$581.9M9.30%0.33%0.01%75.1%
Q4 202462$558.9M9.25%0.34%0.38%73.1%
Q3 202462$561.3M9.23%0.36%0.38%72.1%
Q2 202461$549.5M9.12%0.44%0.34%73.0%

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 ratio9.80%
27th
Total risk-based capital13.68%
60th
Problem loans0.24%
62nd
Net charge-offs-0.00%
76th
Return on assets1.10%
40th
Net interest margin3.74%
39th
Efficiency ratio65.9%
40th
Loans to deposits86.6%
34th
Uninsured deposits19.3%
67th
Loan-loss reserves1.25%
56th
Texas ratio2.0%
58th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
PyraMax Bank, FSBBank Greenfield, WI67 out of 100, Moderate$588.7M11.2%0.25%vs
Unity BankBank Augusta, WI27 out of 100, Low$574.8M8.8%8.39%vs
Baraboo State BankBank Baraboo, WI84 out of 100, Strong$569.6M11.7%0.01%vs
Capitol BankBank Madison, WI79 out of 100, Strong$565.3M12.4%0.02%vs
First State BankBank New London, WI69 out of 100, Moderate$558.1M9.8%0.12%vs
Northwestern Mutual Wealth ManagementBank Milwaukee, WI93 out of 100, Very strong$557.7M55.0%0.00%vs

Deposit insurance

Is my money safe at PremierBank?

Yes. PremierBank is an FDIC-insured institution (FDIC certificate #5295). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.3% of deposits ($85.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.80%, 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

7 locations

Branches

PremierBank lists 6 offices in 6 cities. Most locations:

  • Fort Atkinson, WI (1)
  • Janesville, WI (1)
  • Jefferson, WI (1)
  • Johnson Creek, WI (1)
  • Sullivan, WI (1)
  • Whitewater, WI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, PremierBank reported 157 home-loan applications under HMDA (LEI 254900G9TLX0Q50U7H04): 128 originated ($27,490,000 total), 18 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.1%, 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
PremierBank
Former names
Premier Bank; The First National Bank of Fort Atkinson; First American Bank & Trust Co.
Type
State-chartered bank
FDIC certificate #
5295
RSSD ID
907547
Primary regulator
FDIC
Holding company
First American Bankshares Inc
Established
October 27, 1863
Headquarters
70 N Main St, Fort Atkinson, WI 53538
Employees
91

Quick answers

PremierBank: common questions

Is PremierBank FDIC insured?

Yes. PremierBank is an FDIC-insured institution (FDIC certificate #5295). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is PremierBank's TellerScore?

70 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 PremierBank ever failed?

There is no failure record for FDIC certificate #5295 in the FDIC failed bank list.

How many branches does PremierBank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Fort Atkinson

InstitutionScoreAssetsCapitalProblem loansCompare
First Citizens State BankBank Whitewater, WI90 out of 100, Very strong$525.2M18.0%0.00%vs
Citizens BankBank Mukwonago, WI83 out of 100, Strong$1.2B13.6%0.30%vs
Badger BankBank Fort Atkinson, WI82 out of 100, Strong$206.0M12.4%0.07%vs
WaterStone Bank, SSBBank Wauwatosa, WI81 out of 100, Strong$2.3B15.4%0.36%vs
Educators Credit UnionCredit union Racine, WI81 out of 100, Strong$4.0B13.9%0.97%vs
Waukesha State BankBank Waukesha, WI80 out of 100, Strong$1.6B11.5%0.25%vs