BlastPoint

BlastPoint's Banking Scorecard

Scale Bank

$100M-$1B Specialty: Commercial MN FDIC cert 20268

Edina, MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits +5.6% year over year ($423.1M on the books).
  • Delinquency rate 0.06%.
  • Return on assets 2.32%.
  • Efficiency ratio 59.30% vs a 64.48% peer average.
  • Loan-to-deposit ratio 119.90% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

Scale Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 7.9% in tier
  • + Credit Quality Leader: Top 14.3% in tier
  • + Profitability Leader: Top 21.3% in tier
  • + Efficiency Ratio 5.17% below tier average

Key Concerns

Areas that may need attention

  • - Loan-to-Deposit Ratio 41.95% above tier average
Get updates when Scale Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $626.7M
+20.5% YoY +10.0% QoQ
+$240.1M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
82%
Total Loans ? $507.3M
+34.5% YoY +13.3% QoQ
+$249.0M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
Top 10.9% in tier
Total Deposits ? $423.1M
+5.6% YoY +4.7% QoQ
+$96.4M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
72%
Return on Assets ? 2.32%
+17.6% YoY +24.0% QoQ
+1.00% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
Top 6.8% in tier
Net Interest Margin ? 7.69%
+29.7% YoY +0.9% QoQ
+3.70% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
Top 0.3% in tier
Efficiency Ratio ? 59.30%
-4.9% YoY -8.6% QoQ
-5.17% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
59%
Delinquency Rate ? 0.06%
-20.2% YoY -41.2% QoQ
-0.86% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
78%
Loan-to-Deposit Ratio ? 119.90%
+27.4% YoY +8.3% QoQ
+41.95% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
Bottom 1.3% in tier
Non-Interest-Bearing Deposit Share ? 39.54%
-0.0% YoY +0.9% QoQ
+17.51% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
Top 5.0% in tier
Nonperforming Asset Ratio ? 0.05%
-10.9% YoY -39.5% QoQ
-0.62% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
79%
Tier 1 Capital Ratio ? 14.02%
-15.8% YoY -2.3% QoQ
-1.89% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
58%
Non-Interest Income / Assets ? 0.18%
-16.3% YoY +85.7% QoQ
-0.39% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
44%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 39.5%
0.0pp YoY
+0.4pp QoQ
 +17.4pp 22.1% 21.9% 22.2% 95%
Brokered Deposits 7.7%
+7.7pp YoY
+7.7pp QoQ
 -0.1pp 7.9% 8.3% 8.5% 67%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 50.2%
+14.6pp YoY
+1.0pp QoQ
 +38.7pp 11.6% 14.6% 12.5% 99%
CRE n/a n/a 39.5% 36.5% 41.4% n/a
1-4 Family 0.7%
+0.1pp YoY
+0.1pp QoQ
 -31.9pp 32.6% 29.4% 31.3% 1%
Consumer 0.2%
-0.2pp YoY
+0.1pp QoQ
 -3.9pp 4.1% 4.5% 5.0% 9%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 14.0%
-2.6pp YoY
-0.3pp QoQ
 +1.8pp 12.2% 11.0% 12.6% 82%
Total Capital Ratio n/a n/a 19.9% 17.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 114
+27 (+31.0%) YoY
-5 (-4.2%) QoQ
 +55 58 55 482 91%
Assets per Employee ($) $5.5M
-8.0% YoY
+14.8% QoQ
 -$2.0M $7.5M $8.6M $8.8M 22%
Branch Count 1
0 YoY
0 QoQ
 -4 4 4 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 2%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 13%
Allowance Coverage 15.59x
+9.7% YoY
+60.8% QoQ
 -8.56x 24.15x 20.41x 20.23x 87%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 37%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 11.9%
+2.4pp YoY
+2.5pp QoQ
 -0.3pp 12.2% 13.1% 11.6% 49%
Cost of Funds (YTD) 1.2%
0.0pp YoY
+0.1pp QoQ
 -0.5pp 1.7% 1.7% 1.7% 21%
Net Income ($, YTD) $6.8M
+31.5% YoY
— QoQ
 +$4.3M $2.6M $4.5M $40.4M 95%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Deposit Franchise

growth
#23 of 278 • Top 7.9% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 39.54%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 7.69%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Credit Quality Leader

growth
#95 of 659 • Top 14.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.06%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ

Profitability Leader

growth
#142 of 661 • Top 21.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.32%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

8
Net Interest Margin
profitability
Value: 7.69%
Peer Median: 3.99%
#8 of 2643 Top 0.3% in $100M-$1B
132
Non-Interest-Bearing Deposit Share
funding
Value: 39.54%
Peer Median: 22.03%
#132 of 2643 Top 5.0% in $100M-$1B
182
Return on Assets
profitability
Value: 2.32%
Peer Median: 1.32%
#182 of 2643 Top 6.8% in $100M-$1B
289
Total Loans
size
Value: $507.33M
Peer Median: $258.35M
#289 of 2643 Top 10.9% in $100M-$1B
466
Total Assets
size
Value: $626.68M
Peer Median: $386.57M
#466 of 2643 Top 17.6% in $100M-$1B
556
Nonperforming Asset Ratio
credit_quality
Value: 0.05%
Peer Median: 0.67%
#556 of 2643 Top 21.0% in $100M-$1B
572
Delinquency Rate
credit_quality
Value: 0.06%
Peer Median: 0.92%
#572 of 2633 Top 21.7% in $100M-$1B

Top Weaknesses (1 metrics)

2609
Loan-to-Deposit Ratio
liquidity
Value: 119.90%
Peer Median: 77.95%
#2609 of 2643 Bottom 1.3% in $100M-$1B
Powered by BlastPoint © 2026