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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 75thStandingRank8-Qtr TrendPeer 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