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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