Oakdale, MN · Cert 58511 · Platinum Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
26
Asset Quality
45
Profitability
67
Liquidity
0
Efficiency
70
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.
Oakdale, MN · Cert 58511 · Platinum Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.2% share · #31 of 125 inst. · $0.6B of $253.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.37% | 0.94% | 0.94% | 0.89% | 0.93% | 1.05% | 1.20% | +26 bps | |
| Return on Equity | 16.51% | 17.25% | 11.51% | 11.66% | 11.10% | 11.57% | 12.49% | 14.35% | +268 bps | |
| Net Interest Margin | 3.22% | 3.39% | 3.67% | 3.73% | 3.61% | 3.53% | 4.08% | 4.09% | +36 bps | |
| Efficiency Ratio | 55.50% | 56.41% | 60.24% | 57.80% | 59.06% | 58.53% | 61.27% | 58.05% | +25 bps | |
| Non-Interest Burden | 1.40% | 1.49% | 2.02% | 1.86% | 1.88% | 1.80% | 2.31% | 2.15% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 31.07% | 17.74% | 13.97% | 11.06% | 9.91% | 8.93% | 11.18% | 6.51% | -455 bps | |
| Loan Growth (YoY) | 25.55% | 17.30% | 13.74% | 16.85% | 11.18% | 10.65% | 14.28% | 6.54% | -1,030 bps | |
| Deposit Growth (YoY) | 39.62% | 25.49% | 20.37% | 11.42% | 6.35% | 3.96% | 6.30% | 6.11% | -530 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.58% | 0.91% | 1.16% | 2.00% | 1.09% | 0.92% | 0.84% | 0.81% | -120 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.16% | 0.22% | 0.05% | 0.52% | 0.63% | -0.01% | 0.00% | -5 bps | |
| Allowance / Loans | 1.24% | 1.12% | 1.19% | 1.35% | 1.18% | 1.16% | 1.23% | 1.32% | -4 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.2x | 1.0x | 0.7x | 1.1x | 1.3x | 1.5x | 1.6x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.08% | 8.40% | 8.53% | 8.50% | 8.14% | 7.95% | 8.67% | 8.55% | +5 bps | |
| Total Risk-Based Capital | 12.13% | 12.24% | 12.37% | 11.79% | 11.98% | 12.10% | 12.06% | 11.85% | +5 bps | |
| Equity / Assets | 7.67% | 8.09% | 8.31% | 7.81% | 7.76% | 8.40% | 8.46% | 8.20% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.61% | 103.79% | 104.43% | 108.07% | 103.09% | 110.46% | 112.26% | 108.50% | +44 bps | |
| Liquid Assets / Assets | 5.03% | 1.72% | 0.70% | 2.17% | 5.60% | 1.40% | 0.33% | 2.13% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 485% | 476% | 467% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.16% | 0.73% | 1.11% | 1.30% | Beats 55% | 24 / 53 | ||
| Return on Equity | 14.11% | 7.88% | 12.20% | 14.12% | Beats 72% | 15 / 53 | ||
| Net Interest Margin | 4.09% | 3.39% | 3.77% | 4.09% | Beats 74% | 14 / 53 | ||
| Efficiency Ratio | 58.05% | 56.05% | 65.05% | 71.57% | Beats 70% | 17 / 53 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.81% | 0.14% | 0.52% | 1.20% | Beats 40% | 33 / 53 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.08% | Beats 49% | 28 / 53 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.59% | 10.73% | 12.98% | 15.08% | Beats 17% | 44 / 53 | ||
| Total Risk-Based Capital Ratio | 11.85% | 11.49% | 13.79% | 16.34% | Beats 32% | 36 / 53 | ||
| Equity / Assets | 8.20% | 8.08% | 9.25% | 10.72% | Beats 28% | 38 / 53 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 108.50% | 72.13% | 82.29% | 93.80% | 91st pctl | 5 / 53 | ||
| Loans / Assets | 88.26% | 63.64% | 71.80% | 79.37% | 96th pctl | 2 / 53 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||