Platinum Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 4.08 percentage points lower than in Q1 2026, at 39.66%. On loan-to-deposit ratio, Platinum Bank ranks 15th highest among the 221 banks headquartered in Minnesota, at 108.50% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Platinum Bank sits 27.95 points higher, at 108.50% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $652.3M |
| Net loans and leases | $643.7M |
| Loans held for sale | $1.3M |
| Loans to total assets | 88.26% |
| Loan-to-deposit ratio | 108.50% |
| Net loans to equity capital | 10.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.44% |
| Multifamily (5+ residential) | 3.61% |
| Commercial and industrial | 41.14% |
| Consumer | 0.26% |
| Credit cards | 0.00% |
| Farm | 0.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.17% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 219.39% |
| Construction concentration (Tier 1 capital + allowance) | 39.66% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.13% |
| Interest income on loans | $11.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $436.9M | $398.4M | 35.63% | 45.02% | 0.09% |
| Q4 2023 | $474.6M | $427.4M | 35.85% | 43.16% | 0.09% |
| Q1 2024 | $492.2M | $445.4M | 37.34% | 40.79% | 0.37% |
| Q2 2024 | $523.9M | $508.5M | 37.25% | 40.48% | 0.33% |
| Q3 2024 | $548.5M | $556.2M | 36.99% | 41.00% | 0.29% |
| Q4 2024 | $556.7M | $536.4M | 37.45% | 39.83% | 0.27% |
| Q1 2025 | $559.8M | $536.1M | 38.08% | 39.01% | 0.25% |
| Q2 2025 | $612.2M | $566.5M | 35.73% | 39.99% | 0.25% |
| Q3 2025 | $609.8M | $591.5M | 36.59% | 38.16% | 0.28% |
| Q4 2025 | $616.0M | $557.6M | 36.58% | 38.26% | 0.25% |
| Q1 2026 | $639.8M | $569.9M | 35.72% | 39.95% | 0.27% |
| Q2 2026 | $652.3M | $601.1M | 35.44% | 41.14% | 0.26% |
Platinum Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Platinum Bank, freeSource: Call Report Schedule RC-C, 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)