BlastPoint's Banking Scorecard
Premier Bank
Community
Specialty: Commercial
MN
FDIC cert 21714
Maplewood, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Premier Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 40% in Community
- + Efficiency Ratio 19.29% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+0.9% YoY
+5.2% QoQ
|
-$244.7M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$840.4M
+1.4% YoY
+1.6% QoQ
|
-$135.0M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$992.9M
+0.4% YoY
+6.4% QoQ
|
-$171.7M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
1.66%
+19.7% YoY
+0.4% QoQ
|
+0.49% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
4.01%
+13.0% YoY
+1.3% QoQ
|
+0.35% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
43.34%
-9.6% YoY
+0.5% QoQ
|
-19.29% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.05%
-20.3% YoY
-33.2% QoQ
|
-0.57% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 12% in tier |
| Loan-to-Deposit Ratio ? |
84.64%
+1.0% YoY
-4.5% QoQ
|
+1.58% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
21.94%
+17.5% YoY
+15.2% QoQ
|
+0.89% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.04%
-20.0% YoY
-35.4% QoQ
|
-0.46% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Top 12% in tier |
| Tier 1 Capital Ratio ? |
12.66%
+1.6% YoY
-3.7% QoQ
|
+2.42% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.35%
-15.9% YoY
+27.5% QoQ
|
-0.39% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#148 of 371 · Top 40% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.05%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Top 7%
in Community
Why this stands out
Current:
43.34%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Efficiency Ratio
Current: 43.34% · Tier avg: 62.63%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
82
82th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.16%
71
71th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.66%
60
60th pctile
Total Loans
Current: $840.4M · Tier avg: $975.5M
59
59th pctile
Total Deposits
Current: $992.9M · Tier avg: $1.2B
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 21.94% · Tier avg: 21.05%
58
58th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
54
54th pctile
Tier 1 Capital Ratio
Current: 12.66% · Tier avg: 10.24%
51
51th pctile
Loan-to-Deposit Ratio
Current: 84.64% · Tier avg: 83.06%
29
29th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
Top Weaknesses
29
29th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
51
51th pctile
Loan-to-Deposit Ratio
Current: 84.64% · Tier avg: 83.06%
54
54th pctile
Tier 1 Capital Ratio
Current: 12.66% · Tier avg: 10.24%
58
58th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 21.94% · Tier avg: 21.05%
59
59th pctile
Total Deposits
Current: $992.9M · Tier avg: $1.2B
60
60th pctile
Total Loans
Current: $840.4M · Tier avg: $975.5M
71
71th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.66%
82
82th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.16%
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
93
93th pctile
Efficiency Ratio
Current: 43.34% · Tier avg: 62.63%