Platinum Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Platinum Bank of Oakdale, MN against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.73% | 1.25% | +0.48% | 74th above |
| ROAE | 20.56% | 12.22% | +8.34% | 88th top |
| Net Interest Margin | 4.26% | 3.95% | +0.31% | 68th above |
| Efficiency Ratio | 54.97% | 63.71% | -8.74% | 69th above |
| PPNR / Avg Assets | 2.14% | — | — | 77th top |
| Yield on Earning Assets | 6.86% | 5.67% | +1.19% | 93rd top |
| Cost of Funds | 2.70% | 1.87% | +0.83% | 10th bottom |
| Net Interest Spread | 3.40% | — | — | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.81% | 0.88% | -0.07% | 33rd below |
| NPA / Total Assets | 0.90% | — | — | 23rd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 39th below |
| ACL / Total Loans | 1.32% | — | — | 65th above |
| ACL / NPLs (Coverage) | 163.05% | — | — | 42nd below |
| Texas Ratio | 2.61% | 5.96% | -3.35% | 50th above |
| Provision / NCO | 3868.42% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.59% | 17.18% | -6.59% | 5th bottom |
| Tier 1 Ratio | 10.59% | 17.21% | -6.62% | 5th bottom |
| Total Capital Ratio | 11.85% | — | — | 6th bottom |
| Leverage Ratio | 8.55% | 11.75% | -3.20% | 7th bottom |
| Equity / Assets | 8.20% | 10.98% | -2.78% | 15th bottom |
| TCE / Tangible Assets | 7.98% | — | — | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 108.50% | 80.44% | +28.06% | 5th bottom |
| Core Deposit Ratio | 91.94% | 86.95% | +4.99% | 67th above |
| Wholesale Funding Ratio | 10.20% | — | — | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.51% | — | — | 65th above |
| Loan Growth (Y/Y) | 6.54% | — | — | 56th above |
| Deposit Growth (Y/Y) | 6.11% | — | — | 64th above |
See Platinum Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Platinum Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Platinum Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Platinum Bank peer analysis.