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Acquisition dossier · FDIC #57336

Drake Bank

Saint Paul, MN · Ramsey County · FDIC

$259.8M assets1 officesPLATO HOLDINGS INC6/6 core metrics available
Acquisition score93Signal: Earnings pressure

Where this bank sits among peers

1,738 same-period banks with 0.5× to 2× this bank’s assets. Selected bank excluded.

View metric table ↓
Return on assets1,735 reported
0128256Up to 0.36%: 162 banks0.36% 0.6%: 111 banks0.6% 0.83%: 191 banks0.83% 1.06%: 256 banks1.06% 1.3%: 229 banks1.3% 1.53%: 255 banks1.53% 1.77%: 171 banks1.77% 2%: 133 banks2% 2.24%: 76 banksFrom 2.24%: 151 banks≤0.13%≥2.47%
Median 1.22%Selected bank -3.04% (outside central range)
Distribution data
First and last bins include all tail observations.
RangeBanks
< 0.36%162
0.36% to < 0.6%111
0.6% to < 0.83%191
0.83% to < 1.06%256
1.06% to < 1.3%229
1.3% to < 1.53%255
1.53% to < 1.77%171
1.77% to < 2%133
2% to < 2.24%76
≥ 2.24%151

Full range: -24.68% to 20.53%. 3 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 0 / 100. Larger values are not necessarily better.

Net interest margin1,738 reported
0125250Up to 2.91%: 152 banks2.91% 3.17%: 138 banks3.17% 3.43%: 181 banks3.43% 3.7%: 220 banks3.7% 3.96%: 250 banks3.96% 4.22%: 245 banks4.22% 4.48%: 201 banks4.48% 4.74%: 127 banks4.74% 5%: 92 banksFrom 5%: 132 banks≤2.65%≥5.26%
Median 3.88%Selected bank 3.62%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 2.91%152
2.91% to < 3.17%138
3.17% to < 3.43%181
3.43% to < 3.7%220
3.7% to < 3.96%250
3.96% to < 4.22%245
4.22% to < 4.48%201
4.48% to < 4.74%127
4.74% to < 5%92
≥ 5%132

Full range: 0% to 95.71%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 35 / 100. Larger values are not necessarily better.

Efficiency ratio1,738 reported
0127254Up to 46.45%: 183 banks46.45% 51.51%: 142 banks51.51% 56.57%: 214 banks56.57% 61.63%: 254 banks61.63% 66.69%: 243 banks66.69% 71.75%: 201 banks71.75% 76.82%: 164 banks76.82% 81.88%: 107 banks81.88% 86.94%: 81 banksFrom 86.94%: 149 banks≤41.39%≥92%
Median 63.3%Selected bank 77.8%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 46.45%183
46.45% to < 51.51%142
51.51% to < 56.57%214
56.57% to < 61.63%254
61.63% to < 66.69%243
66.69% to < 71.75%201
71.75% to < 76.82%164
76.82% to < 81.88%107
81.88% to < 86.94%81
≥ 86.94%149

Full range: 0% to 448.9%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 82 / 100. Larger values are not necessarily better.

Equity to assets1,738 reported
0161322Up to 7.61%: 206 banks7.61% 8.72%: 246 banks8.72% 9.83%: 322 banks9.83% 10.94%: 297 banks10.94% 12.05%: 205 banks12.05% 13.16%: 135 banks13.16% 14.27%: 93 banks14.27% 15.38%: 74 banks15.38% 16.49%: 40 banksFrom 16.49%: 120 banks≤6.5%≥17.6%
Median 10.1%Selected bank 6.4% (outside central range)
Distribution data
First and last bins include all tail observations.
RangeBanks
< 7.61%206
7.61% to < 8.72%246
8.72% to < 9.83%322
9.83% to < 10.94%297
10.94% to < 12.05%205
12.05% to < 13.16%135
13.16% to < 14.27%93
14.27% to < 15.38%74
15.38% to < 16.49%40
≥ 16.49%120

Full range: 0.8% to 94.9%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 4 / 100. Larger values are not necessarily better.

Uninsured deposits1,738 reported
0132264Up to 12.58%: 216 banks12.58% 16.36%: 194 banks16.36% 20.14%: 253 banks20.14% 23.93%: 246 banks23.93% 27.71%: 264 banks27.71% 31.49%: 178 banks31.49% 35.27%: 126 banks35.27% 39.05%: 80 banks39.05% 42.83%: 64 banksFrom 42.83%: 117 banks≤8.8%≥46.61%
Median 23.4%Selected bank 13.5%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 12.58%216
12.58% to < 16.36%194
16.36% to < 20.14%253
20.14% to < 23.93%246
23.93% to < 27.71%264
27.71% to < 31.49%178
31.49% to < 35.27%126
35.27% to < 39.05%80
39.05% to < 42.83%64
≥ 42.83%117

Full range: 0% to 99.7%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 15 / 100. Larger values are not necessarily better.

Noncurrent loans1,738 reported
0388775Up to 0.31%: 775 banks0.31% 0.62%: 290 banks0.62% 0.94%: 173 banks0.94% 1.25%: 110 banks1.25% 1.56%: 98 banks1.56% 1.87%: 61 banks1.87% 2.18%: 51 banks2.18% 2.5%: 43 banks2.5% 2.81%: 30 banksFrom 2.81%: 107 banks≤0%≥3.12%
Median 0.4%Selected bank 2.21%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 0.31%775
0.31% to < 0.62%290
0.62% to < 0.94%173
0.94% to < 1.25%110
1.25% to < 1.56%98
1.56% to < 1.87%61
1.87% to < 2.18%51
2.18% to < 2.5%43
2.5% to < 2.81%30
≥ 2.81%107

Full range: 0% to 17.16%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 90 / 100. Larger values are not necessarily better.

Custom asset cohort, not official UBPR peers. At least five reported observations required per metric.

Reported facts, not a recommendation

Operating evidence

6 / 6 available
Same-period comparisons. Changes in basis points; 100 bp = 1 percentage point.
MetricReportedQoQYoYPeer medianValue percentileValid peers
Earnings-3.04%-285 bp-411 bp1.22%0 / 1001735
Earnings3.62%-22 bp-42 bp3.88%35 / 1001738
Earnings77.80%N/AN/A63.30%82 / 1001738
Capital6.40%-130 bp-80 bp10.10%4 / 1001738
Franchise13.50%N/AN/A23.40%15 / 1001738
Credit2.21%N/AN/A0.40%90 / 1001738
Peer definition, reporting period and interpretation

Custom asset cohort: active banks with 0.5× to 2× this bank’s assets in the same reporting period, excluding this bank. The cohort has 1738 institutions. Each metric excludes missing values; fewer than five valid peers suppresses the median and percentile. This is not an official UBPR peer group.

A higher percentile means a larger value, not a better bank. Ties use midrank. Equity/assets is not a regulatory capital ratio. ROA and margin retain the provider’s reported definitions; quarter changes compare reported ratios, not standalone quarterly earnings.

Financial period: 2026-03-31. Missing periods remain N/A. Source: Call Report financials via FDIC.

Questions to take into diligence
  • Return on assets: Separate recurring earnings from one-off items before setting a valuation.
  • Net interest margin: Review deposit repricing and asset yields to test earnings durability.
  • Efficiency ratio: Validate achievable cost savings and the integration expense required.
  • Equity to assets: Test closing capital after credit marks and acquisition costs. This is not a regulatory capital ratio.
  • Uninsured deposits: Review depositor concentration, retention and liquidity under runoff assumptions.
  • Noncurrent loans: Inspect loan-level losses, reserves and collateral before accepting a credit mark.
Diligence considerations

Factors to review

1

Uninsured depositsReview depositor concentration, retention and liquidity under runoff assumptions.

Diligence priorities

1

Efficiency ratioValidate achievable cost savings and the integration expense required.

2

Return on assetsSeparate recurring earnings from one-off items before setting a valuation.

3

Equity to assetsTest closing capital after credit marks and acquisition costs. This is not a regulatory capital ratio.

Franchise footprint

1 reported branch

$233.7M branch deposits
  1. 1
    Drake BankSaint Paul, MN · Ramsey
    $233.7MDeposits

Evidence timeline

Structure changes and public-company filings

0 linked records