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First PREMIER Bank
Sioux Falls, SD·FDIC Cert #6085·Charter: STATE·Est. 19140101.0·HC: UNITED NATIONAL CORP
Total Assets
$4.2B
Q4 2025
Return on Assets
1.67%
-0.02%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
59.54%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
65
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.67%-0.02
ROE
12.70%+0.35
Efficiency
59.54%-1.13
Equity/Assets
0.00%+0.00
NPL Ratio
0.13%-0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
60.84%-19.25
Charge-offs
0.32%+0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.6 | 1.7 | 1.7 | 1.7 | 1.7 | 1.6 | 1.7 | 1.7 |
| ROE | 13.1 | 13.0 | 13.0 | 13.4 | 12.5 | 12.2 | 12.3 | 12.7 |
| Efficiency | 61.6 | 60.8 | 60.8 | 59.6 | 60.2 | 60.6 | 60.7 | 59.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.1 |
| Charge-offs | 0.2 | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 |
| Loan/Deposit | 76.6 | 79.9 | 80.6 | 72.9 | 79.4 | 82.8 | 80.1 | 60.8 |
Balance Sheet
Total Assets$4.2B
Total Deposits$3.5B
Total Loans$2.1B
Total Equity$476.6M
Profitability
ROA1.67%
ROE12.70%
Efficiency Ratio59.54%
Net Income$56.8M
Risk & Asset Quality
NPL Ratio0.13%
Charge-off Rate0.32%
Loan/Deposit60.84%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans