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 | |