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Drake Bank

Saint Paul, MN · Cert 57336 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Plato Holdings Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$247.4MAssets
$193.7MLoans
$211.6MDeposits
$17.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 34% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 35 of 53).
  • Widest gap: return on equity trails 100% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 53 of 53).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

-1.27%

Rank 53 of 53

Net Interest Margin

3.46%

Rank 35 of 53

Efficiency Ratio

77.75%

Rank 49 of 53

Equity / Assets

6.97%

Rank 50 of 53

Non-interest income vs. expense

$1.0M$7.7MINCOMEEXPENSE
Unfavorable gap of $6.6M · efficiency ratio beats 9% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 77.75%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.27%0.73%1.11%1.30%Beats 0%53 / 53
Return on Equity-18.28%7.88%12.20%14.12%Beats 0%53 / 53
Net Interest Margin3.46%3.39%3.77%4.09%Beats 34%35 / 53
Efficiency Ratio77.75%56.05%65.05%71.57%Beats 9%49 / 53
Asset Quality
Nonperforming Loans / Loans4.49%0.14%0.52%1.20%Beats 4%52 / 53
Net Charge-Offs / Loans0.37%0.00%0.01%0.08%Beats 13%47 / 53
Capital
Tier 1 Capital Ratio9.80%10.73%12.98%15.08%Beats 8%49 / 53
Total Risk-Based Capital Ratio11.07%11.49%13.79%16.34%Beats 19%43 / 53
Equity / Assets6.97%8.08%9.25%10.72%Beats 6%50 / 53
Liquidity & Funding
Loans / Deposits91.56%72.13%82.29%93.80%62nd pctl20 / 53
Loans / Assets78.29%63.64%71.80%79.37%72nd pctl15 / 53
Brokered Deposits / Depositsn/aNot reported for this institution