BlastPoint's Banking Scorecard
Platinum Bank
Oakdale, MN
2 branches across MN
Platinum Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.07% above tier average
- + Net Interest Margin 0.28% above tier average
- + Efficiency Ratio 4.02% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 34.24% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$708.0M
+11.2% YoY
+2.1% QoQ
|
+$321.9M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Top 12.2% in tier |
| Total Loans ? |
$631.9M
+14.2% YoY
+3.8% QoQ
|
+$376.2M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Top 4.8% in tier |
| Total Deposits ? |
$569.9M
+6.3% YoY
+2.2% QoQ
|
+$241.9M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Top 14.7% in tier |
| Return on Assets ? |
1.34%
+11.7% YoY
+13.2% QoQ
|
+0.07% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
58% |
| Net Interest Margin ? |
4.21%
+10.4% YoY
+5.9% QoQ
|
+0.28% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
69% |
| Efficiency Ratio ? |
61.27%
+1.7% YoY
+4.7% QoQ
|
-4.02% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
56% |
| Delinquency Rate ? |
0.85%
-27.3% YoY
-8.3% QoQ
|
-0.04% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
110.88%
+7.5% YoY
+1.6% QoQ
|
+34.24% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 2.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.50%
+9.0% YoY
+5.2% QoQ
|
+0.48% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.97%
-4.7% YoY
-5.8% QoQ
|
+0.33% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
20% |
| Tier 1 Capital Ratio ? |
10.80%
-2.9% YoY
-0.4% QoQ
|
-5.03% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.12%
-4.2% YoY
-83.2% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
61% |
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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.