| Metric | Platinum Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.9% | +1.6 pts |
| Deposit growth (YoY) | +6.1% | +4.3% | +1.8 pts |
| Loan growth (YoY) | +6.6% | +5.3% | +1.2 pts |
| ROA | 1.53% | 1.28% | +0.2 pts |
| ROE | 18.3% | 12.4% | +5.8 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $739.1M | $601.1M | $643.7M | $60.6M | $5.4M | 1.53% | 4.24% | 0.90% |
| Q1 2026 | $708.0M | $569.9M | $631.9M | $59.9M | $2.3M | 1.34% | 4.21% | 0.97% |
| Q4 2025 | $693.5M | $557.6M | $608.8M | $58.3M | $8.0M | 1.18% | 3.97% | 1.03% |
| Q3 2025 | $720.0M | $591.5M | $602.6M | $55.9M | $5.7M | 1.13% | 3.87% | 1.13% |
| Q2 2025 | $693.9M | $566.5M | $603.9M | $54.2M | $3.9M | 1.20% | 3.84% | 1.77% |
| Q1 2025 | $636.8M | $536.1M | $553.2M | $52.9M | $1.9M | 1.20% | 3.81% | 1.02% |
| Q4 2024 | $636.7M | $536.4M | $550.5M | $51.5M | $10.4M | 1.73% | 3.69% | 0.79% |
| Q3 2024 | $655.1M | $556.2M | $541.7M | $50.3M | $7.4M | 1.65% | 3.59% | 1.32% |
Loan mix (Q2 2026): real estate $380.9M · commercial $268.3M · consumer $1.7M · securities $54.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Platinum Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.28% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 18.3% | 12.4% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 61.2% | 40th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Platinum Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Platinum Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Platinum Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Platinum Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.