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Overview / Commentary
230 Mavis Road
Marion, WI 54950

Premier Community Bank is headquartered in Marion and is the 77th largest bank in the state of Wisconsin. It is also the 2,370th largest bank in the nation. It was established in 1941 and as of December of 2013, it had grown to 81 employees at 11 locations. Premier Community Bank's savings rates are 6X the national average, and it has a A health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Premier Community Bank had $1.55 million in non-current loans and owned real-estate with $28.65 million in equity and loan loss allowances on hand to cover it. This gives Premier Community Bank a Texas Ratio of 5.42% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Premier Community Bank decreased dramatically from 9.51% as of December 31, 2012 to 5.42% as of December 31, 2013, resulting in a positive change of 43.04%.This indicates that the balance sheet and financial strength for Premier Community Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Premier Community Bank has decreased its total deposits by -$4.42 million, resulting in -1.85% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Premier Community Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Premier Community Bank has $270.66 million in assets with $28.65 million in equity, resulting in a capitalization level of 10.59%, which is above average.

Institution Statistics

FDIC Certificate #15799
Year Established1941
Primary RegulatorFDIC
Assets and Liabilities
Assets$270.66 million
Loans$161.47 million
Deposits$234.68 million
Equity Capital$25.58 million
Loan Loss Allowance$3.07 million
Unbacked Noncurrent Loans$1.28 million
Real Estate Owned$272,000
Historic Data - December 2012
Assets$277.79 million
Equity Capital$26.73 million
Loan Loss Allowance$3.15 million
Unbacked Noncurrent Loans$1.28 million
Real Estate Owned$809,000
Profit Margin - Quarterly
Net Interest Margin3.44%
Return on Assets0.47%
Return on Equity4.82%
Interest Income$9.49 million

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Premier Community Bank Savings Account Rates

3.04%$50k-Health Savings Accounts
0.04%--Statement Savings
0.04%--Children Savings Accounts
0.04%--Holiday Savings Accounts

Premier Community Bank Money Market Rates

0.15%$100k-Premier Advantage Money Market

Premier Community Bank Checking Account Rates

2.00%-$25kGo Green Checking Account
0.04%--Premier Prime
0.04%--Premier Checking Plus
0.01%--Go Green Checking Account

Premier Community Bank CD Rates

1.23%$100k-48 Month CD
0.93%$100k-36 Month CD
0.78%$100k-24 Month CD
0.63%$100k-12 Month CD
0.38%$100k-6 Month CD
0.28%$100k-3 Month CD

Premier Community Bank IRA Rates

0.18%--18 Month Variable Rate IRA (Traditional,Roth)

Premier Community Bank has 12 locations. Click to view all Premier Community Bank locations.