PackageTrendsPeer
Letter portraitLegal landscape

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