PLATINUM BANK

OAKDALE, MN | Medium | Est. Feb. 12, 2007, midnight | FDIC #58511 | RSSD #3538009 | FDIC
Latest Report: 2025-12-31

PLATINUM BANK is amn medium FDIC-insured commercial bank headquartered in OAKDALE, MN, established in Feb. 12, 2007, midnight. As of 2025-12-31, the bank reported total assets of $694M and total deposits of $558M. Profitability stands at 1.31% ROA and 16.29% ROE, with a net interest margin of 4.39%. The bank's CET1 capital ratio is 10.85%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.92% and a Texas Ratio of 10.92%. FDIC Certificate #58511.

Assets

$694M

Deposits

$558M

Loans

$616M

Equity

$58M

Profitability

Return on Assets (ROA) 1.31%
Return on Equity (ROE) 16.29%
Net Interest Margin (NIM) 4.39%
Yield on Assets 7.52%
Cost of Funds 3.14%

Asset Quality

NPL Ratio 0.92%
Net Charge-Off Ratio 0.63%
Texas Ratio 10.92%
NPA Ratio 1.03%
ACL / Loans 1.16%

Capital & Liquidity

CET1 Ratio 10.85%
Tier 1 Capital 10.85%
Total Capital Ratio 12.10%
Leverage Ratio 7.95%
Loan-to-Deposit 110.46%

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