Saint Paul, MN · Cert 57336 · Plato Holdings Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #66 of 125 inst. · $0.2B of $253.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.75% | 0.85% | 0.71% | 0.61% | -3.59% | -3.04% | 0.47% | -24 bps | |
| Return on Equity | 11.22% | 9.74% | 11.27% | 9.66% | 8.02% | -46.54% | -43.31% | 7.07% | -259 bps | |
| Net Interest Margin | 3.97% | 4.14% | 3.97% | 3.83% | 3.62% | 3.48% | 3.46% | 3.41% | -42 bps | |
| Efficiency Ratio | 69.96% | 71.99% | 68.21% | 61.15% | 64.42% | 79.86% | 77.80% | 77.70% | +1,654 bps | |
| Non-Interest Burden | 2.72% | 2.92% | 2.51% | 2.15% | 2.19% | 2.70% | 2.61% | 2.56% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.05% | 7.41% | 15.11% | 10.42% | 4.11% | 0.62% | -5.53% | -9.43% | -1,985 bps | |
| Loan Growth (YoY) | 10.86% | 16.84% | 22.72% | 16.06% | 6.56% | -6.28% | -10.33% | -11.15% | -2,721 bps | |
| Deposit Growth (YoY) | 19.26% | 6.73% | 18.10% | 12.14% | 5.21% | 2.49% | -5.01% | -9.46% | -2,160 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 2.11% | 1.52% | 1.73% | 3.22% | 2.78% | 2.21% | 4.49% | +277 bps | |
| Net Charge-Offs / Loans | 0.41% | 0.25% | 0.08% | 0.71% | 2.44% | 2.71% | 0.40% | 0.92% | +21 bps | |
| Allowance / Loans | 1.38% | 1.28% | 1.35% | 1.42% | 1.09% | 1.89% | 3.12% | 3.01% | +159 bps | |
| Allowance Coverage of NPLs | 22.0x | 0.6x | 0.9x | 0.8x | 0.3x | 0.7x | 1.4x | 0.7x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.70% | 8.95% | 8.42% | 8.28% | 8.35% | 7.96% | 6.98% | 7.27% | -102 bps | |
| Total Risk-Based Capital | 8.70% | 11.95% | 11.71% | 12.05% | 12.35% | 11.80% | 10.78% | 11.07% | -97 bps | |
| Equity / Assets | 7.62% | 7.85% | 7.18% | 7.48% | 7.76% | 7.68% | 6.38% | 6.97% | -51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.74% | 101.57% | 92.44% | 93.31% | 89.88% | 92.87% | 87.26% | 91.56% | -174 bps | |
| Liquid Assets / Assets | 10.15% | 1.21% | 6.78% | 6.49% | 9.62% | 5.88% | 11.71% | 8.58% | +210 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 368% | 375% | 424% | n/a | n/a | |