BlastPoint's Banking Scorecard

Scale Bank

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

Edina, MN

2664 banks in the $100M-$1B peer group nationally 152 in 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 9.2% in tier
+ ROA 0.60% above tier average
+ Efficiency Ratio 0.42% below tier average
+ Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 34.12% above tier average

Get updates when Scale Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$569.6M +8.7% YoY +0.9% QoQ	+$183.5M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	78%
Total Loans ?	$447.8M +25.0% YoY -0.3% QoQ	+$192.0M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$404.3M -0.5% YoY -4.6% QoQ	+$76.3M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	70%
Return on Assets ?	1.87% +11.0% YoY -15.0% QoQ	+0.60%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	84%
Net Interest Margin ?	7.62% +32.0% YoY +18.5% QoQ	+3.69%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	Top 0.3% in tier
Efficiency Ratio ?	64.87% -0.3% YoY +7.7% QoQ	-0.42%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	45%
Delinquency Rate ?	0.10% -67.3% YoY -13.7% QoQ	-0.79%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	74%
Loan-to-Deposit Ratio ?	110.76% +25.6% YoY +4.5% QoQ	+34.12%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Bottom 2.6% in tier
Non-Interest-Bearing Deposit Share ?	39.17% +3.1% YoY +11.1% QoQ	+17.15%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	Top 5.4% in tier
Nonperforming Asset Ratio ?	0.08% -62.4% YoY -14.8% QoQ	-0.56%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	74%
Tier 1 Capital Ratio ?	14.36% -10.5% YoY +6.9% QoQ	-1.47%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	61%
Non-Interest Income / Assets ?	0.10% -15.3% YoY -75.7% QoQ	-0.18%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	50%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Deposit Franchise

growth

#26 of 272 • Top 9.2% 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: 39.17%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 7.62%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Net Interest Margin

profitability

Value: 7.62%

Peer Median: 3.93%

#8 of 2664 Top 0.3% in $100M-$1B

146

Non-Interest-Bearing Deposit Share

funding

Value: 39.17%

Peer Median: 22.02%

#146 of 2664 Top 5.4% in $100M-$1B

415

Total Loans

size

Value: $447.76M

Peer Median: $255.72M

#415 of 2664 Top 15.5% in $100M-$1B

427

Return on Assets

profitability

Value: 1.87%

Peer Median: 1.27%

#427 of 2664 Top 16.0% in $100M-$1B

581

Total Assets

size

Value: $569.61M

Peer Median: $386.08M

#581 of 2664 Top 21.8% in $100M-$1B

Top Weaknesses (1 metrics)

2595

Loan-to-Deposit Ratio

liquidity

Value: 110.76%

Peer Median: 76.64%

#2595 of 2664 Bottom 2.6% in $100M-$1B