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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