Edina, MN · Cert 20268 · Scale Holding Co.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.2% share · #39 of 125 inst. · $0.4B of $253.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.64% | 0.01% | 1.33% | 1.78% | 1.66% | 2.17% | 1.47% | 2.18% | +40 bps | |
| Return on Equity | 7.80% | 0.05% | 6.45% | 8.43% | 7.95% | 10.71% | 7.32% | 11.29% | +286 bps | |
| Net Interest Margin | 5.91% | 5.92% | 5.62% | 5.92% | 6.04% | 7.47% | 7.55% | 7.74% | +182 bps | |
| Efficiency Ratio | 63.00% | 56.03% | 65.07% | 59.74% | 60.82% | 56.67% | 64.87% | 54.21% | -553 bps | |
| Non-Interest Burden | 3.47% | 3.06% | 3.42% | 3.30% | 3.41% | 4.18% | 4.88% | 4.19% | +89 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.05% | -6.07% | -2.99% | 3.33% | 1.44% | 6.41% | 8.70% | 20.52% | +1,718 bps | |
| Loan Growth (YoY) | 19.08% | 12.93% | 1.34% | -4.55% | 1.14% | 23.60% | 24.78% | 34.35% | +3,890 bps | |
| Deposit Growth (YoY) | -4.02% | -8.10% | -4.62% | 3.82% | 1.44% | 2.37% | -0.50% | 5.62% | +180 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.09% | 0.29% | 0.07% | 0.30% | 0.11% | 0.10% | 0.06% | -1 bps | |
| Net Charge-Offs / Loans | 0.03% | 3.81% | 0.00% | 0.18% | 0.07% | 0.07% | 0.01% | 0.00% | -18 bps | |
| Allowance / Loans | 0.94% | 1.02% | 1.11% | 1.01% | 0.98% | 0.88% | 0.94% | 0.89% | -12 bps | |
| Allowance Coverage of NPLs | 19.9x | 11.3x | 3.8x | 14.2x | 3.3x | 7.8x | 9.7x | 15.6x | +1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.38% | 14.85% | 16.05% | 16.65% | 16.82% | 13.43% | 14.36% | 14.02% | -263 bps | |
| Total Risk-Based Capital | 16.38% | 14.85% | 16.05% | 16.65% | 16.82% | 13.43% | 14.36% | 14.02% | -263 bps | |
| Equity / Assets | 20.46% | 20.26% | 20.90% | 21.38% | 20.48% | 20.06% | 20.12% | 18.63% | -276 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.02% | 88.55% | 89.16% | 95.10% | 93.74% | 106.92% | 111.80% | 120.97% | +2,587 bps | |
| Liquid Assets / Assets | 9.21% | 16.04% | 13.08% | 8.79% | 10.54% | 1.16% | 1.57% | 1.00% | -780 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 115.91% | 141.55% | 139.23% | n/a | n/a | |