Valley Premier Bank: how it compares with its peers
Against 99 MN banks with half to twice its assets, Valley Premier Bank's strongest measure in Q2 2026 is return on assets (1.44% vs. a 1.24% peer median). Its weakest relative measure is assets per employee ($5.4M vs. $7.1M).
| Measure | Valley Premier Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.44% | 1.24% | Middle third Ahead of 61% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.77% | 4.05% | Bottom third Ahead of 31% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.21% | 61.48% | Middle third Ahead of 51% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $7.1M | Bottom third Ahead of 17% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.07% | 79.75% | Context |
What it means for lending operations
Its efficiency ratio of 61.21% is better than the 61.48% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Citizens State Bank Norwood Young America Norwood Young America, MN · $141M
- Northwoods Bank of Minnesota Park Rapids, MN · $141M
- First Farmers & Merchants National Bank Fairmont, MN · $140M
- Farmers and Merchants State Bank of Springfield Springfield, MN · $140M
- Security State Bank of Warroad Warroad, MN · $138M
- The First National Bank of Cokato Cokato, MN · $138M
Questions about Valley Premier Bank
How big is Valley Premier Bank?
Valley Premier Bank, established in 1892, is headquartered in Hawley, MN. It reported $141M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Valley Premier Bank's return on assets?
1.44% annualized in Q2 2026, against a 1.24% median for 99 MN banks with half to twice its assets, ahead of 61% of them.
What is Valley Premier Bank's efficiency ratio?
61.21% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 61.48%, and lower is better.
Is Valley Premier Bank growing its loans?
Net loans grew 5.9% over the year to Q2 2026, while deposits shrank 4.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.