Bank Comparison
Woodtrust Bank vs Platinum Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 5
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Woodtrust Bank | Platinum Bank |
|---|---|---|
| CET1 Ratio | — | 10.80% |
| Tier 1 Capital Ratio | — | 10.80% |
| Total Capital Ratio | — | 12.06% |
| Tier 1 Leverage Ratio | 10.59% | 8.67% |
| Equity / Assets | 9.40% | 8.46% |
Profitability
| Metric | Woodtrust Bank | Platinum Bank |
|---|---|---|
| Return on Assets (ROA) | 3.98% | 1.34% |
| Return on Equity (ROE) | 42.09% | 15.90% |
| Net Interest Margin (NIM) | 3.91% | 4.15% |
| Yield on Earning Assets | 4.77% | 6.69% |
| Cost of Funds | 0.92% | 2.73% |
Asset quality
| Metric | Woodtrust Bank | Platinum Bank |
|---|---|---|
| Texas Ratio | 10.27% | 18.89% |
| Non-Performing Loan Ratio | 1.93% | 1.72% |
| Non-Performing Asset Ratio | 1.07% | 1.76% |
| Net Charge-Off Ratio | -0.01% | -0.01% |
| ACL / Loans | 1.88% | 1.23% |
Balance sheet
| Metric | Woodtrust Bank | Platinum Bank |
|---|---|---|
| Total Assets | $707,460K | $708,018K |
| Total Deposits | $574,444K | $569,885K |
| Total Loans | $393,405K | $639,750K |
| Total Equity | $66,489K | $59,869K |
| Net Income (quarter) | $6,678K | $2,347K |
Liquidity & funding
| Metric | Woodtrust Bank | Platinum Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 68.48% | 112.26% |
| Core Deposit Ratio | 99.46% | 93.96% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Woodtrust Bank | Platinum Bank |
|---|---|---|
| Headquarters City | WISCONSIN RAPIDS | OAKDALE |
| Headquarters State | WI | MN |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 7 | 2 |
| Employees (FTE) | 89 | 88 |
| Established | Aug. 11, 1891, midnight | Feb. 12, 2007, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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