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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.58% | 1.19% | 1.33% | 1.55% | 1.58% | 1.74% | 1.47% | 1.82% | +27 bps | |
| Return on Equity | 7.85% | 5.92% | 6.45% | 7.44% | 7.61% | 8.43% | 7.32% | 9.31% | +187 bps | |
| Net Interest Margin | 5.74% | 5.56% | 5.62% | 5.81% | 5.85% | 5.94% | 7.55% | 7.41% | +160 bps | |
| Efficiency Ratio | 61.59% | 60.11% | 65.07% | 62.37% | 61.84% | 60.24% | 64.87% | 59.30% | -307 bps | |
| Non-Interest Burden | 3.29% | 3.11% | 3.42% | 3.38% | 3.37% | 3.36% | 4.88% | 4.39% | +101 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 | -0.04% | 0.92% | 0.00% | 0.09% | 0.08% | 0.07% | 0.01% | 0.00% | -8 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 | |