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Platinum Bank

Oakdale, MN · Cert 58511 · Platinum Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

26

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

70

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Platinum Bank

Oakdale, MN · Cert 58511 · Platinum Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$739.1MAssets
$652.3MLoans
$601.1MDeposits
$60.6MEquity
Loan mix
60%RE $380.3M40%C&I $255.6M0%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $461.4M23%Noninterest $139.8MQ2 2025Q2 2026

NIM

6.43%Q2 ’246.58%Q2 ’256.57%Q2 ’26+14%+10%

Non-interest income vs. expense

2.43%Q2 ’242.55%Q2 ’252.67%Q2 ’26+39%+16%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.2% share · #31 of 125 inst. · $0.6B of $253.2B

7.5% Washington
0.0% Hennepin

Executive Summary

  • Earnings: ROA of 1.20%, up 26 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 0.81% of loans (-120 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.55%, up 5 bps from a year ago.
  • Funding: loans stand at 108.50% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.20%+26 bps YoY

Net Interest Margin (YTD, annualized)

4.09%+36 bps YoY

Efficiency Ratio (YTD, annualized)

58.05%+25 bps YoY

Tier 1 Leverage Ratio

8.55%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.89%0.93%1.05%1.20%+26 bps
Return on Equity11.66%11.10%11.57%12.49%14.35%+268 bps
Net Interest Margin3.73%3.61%3.53%4.08%4.09%+36 bps
Efficiency Ratio57.80%59.06%58.53%61.27%58.05%+25 bps
Non-Interest Burden1.86%1.88%1.80%2.31%2.15%+30 bps
Growth
Asset Growth (YoY)11.06%9.91%8.93%11.18%6.51%-455 bps
Loan Growth (YoY)16.85%11.18%10.65%14.28%6.54%-1,030 bps
Deposit Growth (YoY)11.42%6.35%3.96%6.30%6.11%-530 bps
Asset Quality
Nonperforming Loans / Loans2.00%1.09%0.92%0.84%0.81%-120 bps
Net Charge-Offs / Loans0.05%0.52%0.63%-0.01%0.00%-5 bps
Allowance / Loans1.35%1.18%1.16%1.23%1.32%-4 bps
Allowance Coverage of NPLs0.7x1.1x1.3x1.5x1.6x+1.0x
Capital
Tier 1 Leverage Ratio8.50%8.14%7.95%8.67%8.55%+5 bps
Total Risk-Based Capital11.79%11.98%12.10%12.06%11.85%+5 bps
Equity / Assets7.81%7.76%8.40%8.46%8.20%+39 bps
Liquidity & Funding
Loans / Deposits108.07%103.09%110.46%112.26%108.50%+44 bps
Liquid Assets / Assets2.17%5.60%1.40%0.33%2.13%-4 bps
CRE / Total Capitaln/a485%476%467%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Platinum Bank

Oakdale, MN · Cert 58511 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Platinum Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$739.1MAssets
$652.3MLoans
$601.1MDeposits
$60.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 74% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 14 of 53).
  • Widest gap: tier 1 capital ratio trails 83% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 44 of 53).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.16%

Rank 24 of 53

Net Interest Margin

4.09%

Rank 14 of 53

Efficiency Ratio

58.05%

Rank 17 of 53

Equity / Assets

8.20%

Rank 38 of 53

Non-interest income vs. expense

$3.7M$19.1MINCOMEEXPENSE
Unfavorable gap of $15.4M · efficiency ratio beats 70% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 58.05%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.16%0.73%1.11%1.30%Beats 55%24 / 53
Return on Equity14.11%7.88%12.20%14.12%Beats 72%15 / 53
Net Interest Margin4.09%3.39%3.77%4.09%Beats 74%14 / 53
Efficiency Ratio58.05%56.05%65.05%71.57%Beats 70%17 / 53
Asset Quality
Nonperforming Loans / Loans0.81%0.14%0.52%1.20%Beats 40%33 / 53
Net Charge-Offs / Loans0.01%0.00%0.01%0.08%Beats 49%28 / 53
Capital
Tier 1 Capital Ratio10.59%10.73%12.98%15.08%Beats 17%44 / 53
Total Risk-Based Capital Ratio11.85%11.49%13.79%16.34%Beats 32%36 / 53
Equity / Assets8.20%8.08%9.25%10.72%Beats 28%38 / 53
Liquidity & Funding
Loans / Deposits108.50%72.13%82.29%93.80%91st pctl5 / 53
Loans / Assets88.26%63.64%71.80%79.37%96th pctl2 / 53
Brokered Deposits / Depositsn/aNot reported for this institution