BlastPoint's Banking Scorecard

PremierBank

Community Specialty: Commercial WI FDIC cert 5295

Fort Atkinson, WI

1484 banks in Community tier nationally 63 in WI

View Community leaderboard (WI) →

PremierBank shows stable performance across key metrics

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

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 (WI)	National Avg	Tier Percentile
Total Assets ?	$580.0M +3.8% YoY +3.4% QoQ	-$811.5M	$1.4B +2.0% YoY	$1.1B +5.1% YoY	$5.9B +6.5% YoY	Bottom 11% in tier
Total Loans ?	$363.2M +6.2% YoY +1.7% QoQ	-$612.3M	$975.5M +2.4% YoY	$768.8M +4.7% YoY	$3.1B +8.5% YoY	Bottom 10% in tier
Total Deposits ?	$452.8M -3.2% YoY +1.1% QoQ	-$711.8M	$1.2B +1.7% YoY	$858.9M +4.5% YoY	$4.7B +6.3% YoY	Bottom 6% in tier
Return on Assets ?	0.77% +100.8% YoY +23.9% QoQ	-0.39%	1.16% +17.2% YoY	1.12% +22.4% YoY	1.12% +15.6% YoY	22%
Net Interest Margin ?	3.45% +18.3% YoY +1.9% QoQ	-0.21%	3.66% +9.1% YoY	3.60% +10.9% YoY	3.75% +7.1% YoY	40%
Efficiency Ratio ?	76.79% -15.4% YoY -5.5% QoQ	+14.16%	62.63% -5.3% YoY	64.76% -6.6% YoY	65.09% -5.1% YoY	Bottom 14% in tier
Delinquency Rate ?	0.32% -7.1% YoY +10.6% QoQ	-0.31%	0.63% +18.3% YoY	0.52% +44.6% YoY	0.66% +20.3% YoY	59%
Loan-to-Deposit Ratio ?	80.20% +9.7% YoY +0.6% QoQ	-2.86%	83.06% +0.3% YoY	85.80% +1.3% YoY	78.04% +0.7% YoY	62%
Non-Interest-Bearing Deposit Share ?	29.99% +7.7% YoY -4.6% QoQ	+8.95%	21.05% -0.9% YoY	18.83% -1.2% YoY	21.79% -1.3% YoY	84%
Nonperforming Asset Ratio ?	0.26% +21.6% YoY +39.1% QoQ	-0.24%	0.50% +20.3% YoY	0.37% +20.8% YoY	0.48% +20.8% YoY	58%
Tier 1 Capital Ratio ?	12.49% +0.1% YoY -1.2% QoQ	+2.25%	10.24% -0.6% YoY	8.70% -2.9% YoY	9.75% -1.9% YoY	52%
Non-Interest Income / Assets ?	0.70% +13.5% YoY +37.6% QoQ	-0.04%	0.74% -1.3% YoY	0.58% +3.9% YoY	0.65% +0.6% YoY	70%

Signature Analysis

Strengths (0)

No strengths identified

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%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Non-Interest-Bearing Deposit Share

Current: 29.99% · Tier avg: 21.05%

84th pctile

Non-Interest Income / Assets

Current: 0.70% · Tier avg: 0.74%

70th pctile

Loan-to-Deposit Ratio

Current: 80.20% · Tier avg: 83.06%

62th pctile

Delinquency Rate

Current: 0.32% · Tier avg: 0.63%

59th pctile

Nonperforming Asset Ratio

Current: 0.26% · Tier avg: 0.50%

58th pctile

Tier 1 Capital Ratio

Current: 12.49% · Tier avg: 10.24%

52th pctile

Net Interest Margin

Current: 3.45% · Tier avg: 3.66%

40th pctile

Return on Assets

Current: 0.77% · Tier avg: 1.16%

22th pctile

Efficiency Ratio

Current: 76.79% · Tier avg: 62.63%

14th pctile

Total Assets

Current: $580.0M · Tier avg: $1.4B

11th pctile

Total Loans

Current: $363.2M · Tier avg: $975.5M

10th pctile

Total Deposits

Current: $452.8M · Tier avg: $1.2B

6th pctile

Top Weaknesses