BlastPoint's Banking Scorecard
Platinum Bank
Oakdale, MN
2 branches across MN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
- Deposits +6.1% year over year ($601.1M on the books).
- Delinquency rate 0.82%.
- Return on assets 1.53%.
- Efficiency ratio 58.05% vs a 64.48% peer average.
- Loan-to-deposit ratio 107.07% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Platinum Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.20% above tier average
- + Net Interest Margin 0.25% above tier average
- + Efficiency Ratio 6.43% below tier average
- + Delinquency Rate 0.10% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 29.12% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$739.1M
+6.5% YoY
+4.4% QoQ
|
+$352.5M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Top 10.5% in tier |
| Total Loans ? |
$643.7M
+6.6% YoY
+1.9% QoQ
|
+$385.3M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Top 4.2% in tier |
| Total Deposits ? |
$601.1M
+6.1% YoY
+5.5% QoQ
|
+$274.4M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Top 12.2% in tier |
| Return on Assets ? |
1.53%
+27.5% YoY
+13.9% QoQ
|
+0.20% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
67% |
| Net Interest Margin ? |
4.24%
+10.3% YoY
+0.7% QoQ
|
+0.25% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
67% |
| Efficiency Ratio ? |
58.05%
+0.4% YoY
-5.2% QoQ
|
-6.43% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
63% |
| Delinquency Rate ? |
0.82%
-59.7% YoY
-3.8% QoQ
|
-0.10% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
107.07%
+0.4% YoY
-3.4% QoQ
|
+29.12% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 4.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.25%
+78.9% YoY
+3.4% QoQ
|
+1.22% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.90%
-49.0% YoY
-6.9% QoQ
|
+0.23% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
10.59%
+0.5% YoY
-2.0% QoQ
|
-5.32% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.25%
-23.9% YoY
+117.0% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
63% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.3%
+10.3pp YoY +0.8pp QoQ |
+1.1pp | 22.1% | 21.9% | 22.2% | 60% |
| Brokered Deposits |
2.2%
-12.7pp YoY -8.9pp QoQ |
-5.6pp | 7.9% | 8.3% | 8.5% | 32% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
41.7%
+1.1pp YoY +1.2pp QoQ |
+30.1pp | 11.6% | 14.6% | 12.5% | 98% |
| CRE |
43.9%
-0.8pp YoY -1.0pp QoQ |
+4.3pp | 39.5% | 36.5% | 41.4% | 60% |
| 1-4 Family |
15.3%
-0.4pp YoY 0.0pp QoQ |
-17.4pp | 32.6% | 29.4% | 31.3% | 20% |
| Consumer |
0.3%
0.0pp YoY 0.0pp QoQ |
-3.8pp | 4.1% | 4.5% | 5.0% | 10% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.6%
+0.1pp YoY -0.2pp QoQ |
-8.2pp | 18.8% | 16.5% | 19.7% | 5% |
| Leverage Ratio |
8.5%
+0.1pp YoY -0.1pp QoQ |
-3.6pp | 12.2% | 11.0% | 12.6% | 7% |
| Total Capital Ratio |
11.8%
+0.1pp YoY -0.2pp QoQ |
-8.1pp | 19.9% | 17.6% | 20.8% | 6% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
90
-3 (-3.2%) YoY +2 (+2.3%) QoQ |
+31 | 58 | 55 | 482 | 82% |
| Assets per Employee ($) |
$8.2M
+10.1% YoY +2.1% QoQ |
+$694K | $7.5M | $8.6M | $8.8M | 70% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 4 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.8%
-1.2pp YoY 0.0pp QoQ |
-0.1pp | 0.9% | 1.0% | 1.0% | 67% |
| Allowance Coverage |
1.63x
+141.4% YoY +11.4% QoQ |
-22.52x | 24.15x | 20.41x | 20.23x | 42% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 29% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.3%
+3.5pp YoY +2.4pp QoQ |
+6.1pp | 12.2% | 13.1% | 11.6% | 83% |
| Cost of Funds (YTD) |
2.6%
-0.4pp YoY 0.0pp QoQ |
+0.9pp | 1.7% | 1.7% | 1.7% | 92% |
| Net Income ($, YTD) |
$5.4M
+38.7% YoY — QoQ |
+$2.9M | $2.6M | $4.5M | $40.4M | 90% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.