Platinum Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 16.67 percentage points in Q2 2026, from 146.38% to 163.05%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Platinum Bank is 63rd of 221 on return on assets, 1.73% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Platinum Bank sits 0.47 points higher, at 1.73% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.59% |
| Tier 1 risk-based capital ratio | 10.59% |
| Total risk-based capital ratio | 11.85% |
| Tier 1 leverage ratio | 8.55% |
| Equity capital to assets | 8.20% |
| Tangible equity to tangible assets | 7.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.81% |
| Non-performing assets ratio | 0.90% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.61% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 163.05% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.73% |
| Return on equity | 20.56% |
| Net interest margin | 4.26% |
| Efficiency ratio | 54.97% |
| Yield on earning assets | 6.86% |
| Cost of funds | 2.70% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.50% |
| Core deposits to total deposits | 91.94% |
| Brokered deposits to total deposits | 2.24% |
| Deposits to assets | 81.34% |
| Securities to assets | 7.35% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.90% | 11.90% | 13.16% | 9.42% | 0.93% |
| Q4 2023 | 11.56% | 11.56% | 12.81% | 9.18% | 2.19% |
| Q1 2024 | 10.90% | 10.90% | 12.15% | 8.89% | 1.41% |
| Q2 2024 | 11.02% | 11.02% | 12.27% | 8.46% | 1.96% |
| Q3 2024 | 10.88% | 10.88% | 12.13% | 8.08% | 1.55% |
| Q4 2024 | 10.99% | 10.99% | 12.24% | 8.40% | 1.92% |
| Q1 2025 | 11.12% | 11.12% | 12.37% | 8.53% | 1.19% |
| Q2 2025 | 10.54% | 10.54% | 11.79% | 8.50% | 1.23% |
| Q3 2025 | 10.73% | 10.73% | 11.98% | 8.14% | 1.00% |
| Q4 2025 | 10.85% | 10.85% | 12.10% | 7.95% | 1.26% |
| Q1 2026 | 10.80% | 10.80% | 12.06% | 8.67% | 1.34% |
| Q2 2026 | 10.59% | 10.59% | 11.85% | 8.55% | 1.73% |
Platinum Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Platinum Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)