Platinum Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings rose 4.2% from Q1 2026 to Q2 2026, ending at $12.9M against $12.3M. It was the largest change among the key lines on this page. On CET1 ratio, Platinum Bank is 11th from the bottom among 162 Minnesota banks, 10.59% (Q2 2026). Platinum Bank reported 10.59% on CET1 ratio for Q2 2026, 4.49 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.59% |
| Tier 1 risk-based capital ratio | 10.59% |
| Total risk-based capital ratio | 11.85% |
| Tier 1 leverage ratio | 8.55% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $61.1M |
| Tier 1 capital | $61.1M |
| Total risk-based capital | $68.4M |
| Total equity capital | $60.6M |
| Risk-weighted assets | $577.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.20% |
| Tangible equity to tangible assets | 7.98% |
| Equity capital to average assets | 8.45% |
| Internal capital growth rate | 3.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $49.9M |
| Retained earnings | $12.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.90% | 11.90% | 13.16% | 9.42% | $384.1M |
| Q4 2023 | 11.56% | 11.56% | 12.81% | 9.18% | $410.7M |
| Q1 2024 | 10.90% | 10.90% | 12.15% | 8.89% | $443.2M |
| Q2 2024 | 11.02% | 11.02% | 12.27% | 8.46% | $457.1M |
| Q3 2024 | 10.88% | 10.88% | 12.13% | 8.08% | $477.8M |
| Q4 2024 | 10.99% | 10.99% | 12.24% | 8.40% | $488.5M |
| Q1 2025 | 11.12% | 11.12% | 12.37% | 8.53% | $491.8M |
| Q2 2025 | 10.54% | 10.54% | 11.79% | 8.50% | $528.3M |
| Q3 2025 | 10.73% | 10.73% | 11.98% | 8.14% | $529.2M |
| Q4 2025 | 10.85% | 10.85% | 12.10% | 7.95% | $540.2M |
| Q1 2026 | 10.80% | 10.80% | 12.06% | 8.67% | $561.6M |
| Q2 2026 | 10.59% | 10.59% | 11.85% | 8.55% | $577.2M |
Platinum Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Platinum Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Platinum Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58511) · FFIEC NIC profile (RSSD 3538009)