BlastPoint's Banking Scorecard
Platinum Bank
Community
Specialty: Commercial
MN
FDIC cert 58511
Oakdale, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Platinum Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 26.12% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 12% in Community
- - Credit Risk Growth: Bottom 46% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$693.5M
+8.9% YoY
-3.7% QoQ
|
-$697.9M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$608.8M
+10.6% YoY
+1.0% QoQ
|
-$366.6M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$557.6M
+4.0% YoY
-5.7% QoQ
|
-$607.0M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
1.18%
-31.5% YoY
+5.0% QoQ
|
+0.02% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
3.97%
+7.7% YoY
+2.6% QoQ
|
+0.31% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
58.53%
+3.8% YoY
-0.9% QoQ
|
-4.10% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
0.93%
+1.3% YoY
-15.6% QoQ
|
+0.30% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
109.18%
+6.4% YoY
+7.2% QoQ
|
+26.12% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.38%
+12.3% YoY
+11.9% QoQ
|
+0.34% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
1.03%
+29.9% YoY
-8.7% QoQ
|
+0.53% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
10.85%
-1.2% YoY
+1.1% QoQ
|
+0.61% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.68%
-28.4% YoY
+53.2% QoQ
|
-0.06% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 4%
in Community
Why this stands out
Current:
109.18%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (2)
Margin Compression
decline
#15 of 120 · Bottom 12% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.18%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Credit Risk Growth
risk
#294 of 642 · Bottom 46% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Loan-to-Deposit Ratio
Current: 109.18% · Tier avg: 83.06%
69
69th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.66%
68
68th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
62
62th pctile
Efficiency Ratio
Current: 58.53% · Tier avg: 62.63%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.38% · Tier avg: 21.05%
55
55th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
42
42th pctile
Total Loans
Current: $608.8M · Tier avg: $975.5M
35
35th pctile
Tier 1 Capital Ratio
Current: 10.85% · Tier avg: 10.24%
27
27th pctile
Delinquency Rate
Current: 0.93% · Tier avg: 0.63%
26
26th pctile
Total Assets
Current: $693.5M · Tier avg: $1.4B
22
22th pctile
Total Deposits
Current: $557.6M · Tier avg: $1.2B
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.50%
Top Weaknesses
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.50%
22
22th pctile
Total Deposits
Current: $557.6M · Tier avg: $1.2B
26
26th pctile
Total Assets
Current: $693.5M · Tier avg: $1.4B
27
27th pctile
Delinquency Rate
Current: 0.93% · Tier avg: 0.63%
35
35th pctile
Tier 1 Capital Ratio
Current: 10.85% · Tier avg: 10.24%
42
42th pctile
Total Loans
Current: $608.8M · Tier avg: $975.5M
55
55th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.38% · Tier avg: 21.05%
62
62th pctile
Efficiency Ratio
Current: 58.53% · Tier avg: 62.63%
68
68th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
69
69th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.66%
96
96th pctile
Loan-to-Deposit Ratio
Current: 109.18% · Tier avg: 83.06%