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Scale Bank

Edina, MN · Cert 20268 · Scale Holding Co.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

71

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

73

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

49

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Scale Bank

Edina, MN · Cert 20268 · Scale Holding Co.

State charter, non-member · FDIC · 1 branch

Q2 2026

$626.7MAssets
$511.9MLoans
$423.1MDeposits
$116.7MEquity
Loan mix
32%RE $105.8M67%C&I $220.4M0%Consumer $0.7MQ2 2025Q2 2026
Deposit mix
60%Interest-bearing $255.8M40%Noninterest $167.3MQ2 2025Q2 2026

NIM

6.89%Q2 ’246.63%Q2 ’258.02%Q2 ’26+1%+28%

Non-interest income vs. expense

3.68%Q2 ’243.81%Q2 ’254.78%Q2 ’26+5%+30%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.2% share · #39 of 125 inst. · $0.4B of $253.2B

Executive Summary

  • Earnings: ROA of 1.82%, up 27 bps year over year; NIM at 7.41%.
  • Asset quality: problem loans at 0.06% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.02%, down 263 bps from a year ago.
  • Funding: loans stand at 120.97% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.82%+27 bps YoY

Net Interest Margin (YTD, annualized)

7.41%+160 bps YoY

Efficiency Ratio (YTD, annualized)

59.30%-307 bps YoY

Tier 1 Leverage Ratio

14.02%-263 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.55%1.58%1.74%1.47%1.82%+27 bps
Return on Equity7.44%7.61%8.43%7.32%9.31%+187 bps
Net Interest Margin5.81%5.85%5.94%7.55%7.41%+160 bps
Efficiency Ratio62.37%61.84%60.24%64.87%59.30%-307 bps
Non-Interest Burden3.38%3.37%3.36%4.88%4.39%+101 bps
Growth
Asset Growth (YoY)3.33%1.44%6.41%8.70%20.52%+1,718 bps
Loan Growth (YoY)-4.55%1.14%23.60%24.78%34.35%+3,890 bps
Deposit Growth (YoY)3.82%1.44%2.37%-0.50%5.62%+180 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.30%0.11%0.10%0.06%-1 bps
Net Charge-Offs / Loans0.09%0.08%0.07%0.01%0.00%-8 bps
Allowance / Loans1.01%0.98%0.88%0.94%0.89%-12 bps
Allowance Coverage of NPLs14.2x3.3x7.8x9.7x15.6x+1.4x
Capital
Tier 1 Leverage Ratio16.65%16.82%13.43%14.36%14.02%-263 bps
Total Risk-Based Capital16.65%16.82%13.43%14.36%14.02%-263 bps
Equity / Assets21.38%20.48%20.06%20.12%18.63%-276 bps
Liquidity & Funding
Loans / Deposits95.10%93.74%106.92%111.80%120.97%+2,587 bps
Liquid Assets / Assets8.79%10.54%1.16%1.57%1.00%-780 bps
CRE / Total Capitaln/a115.91%141.55%139.23%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Scale Bank

Edina, MN · Cert 20268 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Scale Holding Co.

State charter, non-member · FDIC · 1 branch

Q2 2026

$626.7MAssets
$511.9MLoans
$423.1MDeposits
$116.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 98% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 1 of 53).
  • Widest gap: return on equity trails 66% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 35 of 53).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.71%

Rank 7 of 53

Net Interest Margin

7.41%

Rank 1 of 53

Efficiency Ratio

65.57%

Rank 28 of 53

Equity / Assets

18.63%

Rank 1 of 53

Non-interest income vs. expense

$2.3M$28.2MINCOMEEXPENSE
Unfavorable gap of $25.9M · efficiency ratio beats 49% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 65.57%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.71%0.73%1.11%1.30%Beats 87%7 / 53
Return on Equity9.16%7.88%12.20%14.12%Beats 34%35 / 53
Net Interest Margin7.41%3.39%3.77%4.09%Beats 98%1 / 53
Efficiency Ratio65.57%56.05%65.05%71.57%Beats 49%28 / 53
Asset Quality
Nonperforming Loans / Loans0.06%0.14%0.52%1.20%Beats 81%11 / 53
Net Charge-Offs / Loans0.01%0.00%0.01%0.08%Beats 43%31 / 53
Capital
Tier 1 Capital Ratio14.02%10.73%12.98%15.08%Beats 64%19 / 53
Total Risk-Based Capital Ratio14.02%11.49%13.79%16.34%Beats 51%26 / 53
Equity / Assets18.63%8.08%9.25%10.72%Beats 98%1 / 53
Liquidity & Funding
Loans / Deposits120.97%72.13%82.29%93.80%96th pctl2 / 53
Loans / Assets81.68%63.64%71.80%79.37%83rd pctl9 / 53
Brokered Deposits / Depositsn/aNot reported for this institution