Scale Bank
Edina, MN·RSSD 9357·FDIC 20268·bank:9357·CBLR opted in
- #37 of 225Total assets in Minnesota
- 1offices
- 114employees
- #10 of 3,709Margin improvement in the U.S.
- Top 1%Net interest margin vs. peers
- Top 1%C&I loan growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Scale Bank
7 of 24 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Commercial lending growing with steady creditStrength: Lending FORFI signal 2nd quarter+89.5%peers +2.3%+87.2 pp
Scale Bank's C&I loans grew faster than at similar banks, without a material rise in problem loans or net charge-offs.
| This institution | Peer median | Difference |
|---|---|---|
| Commercial and industrial loans, 12-month growth | ||
| +89.5% | +2.3% | +87.2 pp |
With internal data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Scale Bank itself is left out of every peer median and percentile. How signals work
Borrowed funding rising while the peer median holds steadyWorth a look: Funding 2nd quarter12.0%peers 1.0%+11.0 pp
Scale Bank's borrowings as a share of assets rose 12.0 percentage points over the past year to 12.0%. Among 1437 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Borrowings as a share of assets | ||
| 12.0% | 1.0% | +11.0 pp |
| 12-month change | ||
| +12.0 pp | 0.0 pp | +12.0 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Scale Bank itself is left out of every peer median and percentile. How signals work
Net interest margin widening faster than peersStrength: Earnings 2nd quarter7.89%peers 3.99%+391 bps
Scale Bank's net interest margin rose 179 bps over the past year to 7.89%. Among 1433 similar banks, the median rose 23 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 7.89% | 3.99% | +391 bps |
| 12-month change | ||
| +179 bps | +23 bps | +156 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Scale Bank itself is left out of every peer median and percentile. How signals work
Lending absorbing more of the deposit base as cash fallsWorth a look: Liquidity 2nd quarter121.0%+25.9 pp in 12 months
Scale Bank's loans rose to 121.0% of deposits, 25.9 percentage points higher than a year earlier, while cash fell to 1.8% of assets. The median change in the loan-to-deposit ratio among 1435 similar banks was +0.9 pp.
| Observed | Change |
|---|---|
| Loans / deposits | |
| 121.0% | +25.9 pp in 12 months |
| Cash / assets | |
| 1.8% | -8.8 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Scale Bank itself is left out of every peer median and percentile. How signals work
Leverage capital ratio falling while the peer median risesWorth a look: Capital 2nd quarter14.02%peers 10.81%+3.2 pp
Scale Bank's leverage ratio fell 2.6 percentage points over the past year to 14.02%. Among 1437 similar banks, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 14.02% | 10.81% | +3.2 pp |
| 12-month change | ||
| -2.6 pp | +0.2 pp | -2.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Scale Bank itself is left out of every peer median and percentile. How signals work
2 more observations
- C&I lending growing faster than peersLending
- Loans growing faster than peersLending
Key facts
- Scale Bank is a bank headquartered in Edina, Minnesota. It reported $627 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $423 million, up 5.6% from a year earlier, and loans totaled $512 million, up 34.3%.
- Its net interest margin was 7.89% and its annualized return on assets was 2.79% for the quarter.
- Its cost of all deposits was 1.44%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Scale Bank's own data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
Analysis workspaces
Sources and identifiers
- Institution
- Scale Bank · Bank
- Federal Reserve RSSD
- 9357
- FDIC certificate
- 20268
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Scale Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $4.16M | — | |
| $12.47M | — | |
| $1.83M | — | |
| $10.63M | — | |
| $578K | — | |
| $6.75M | — | |
| $300K | — | |
| $300K | — | |
| 2.79% | 2.78%ROAQ · Quarter | |
| 7.89% | 7.87%NIMYQ · Quarter | |
| 60.21% | 54.21%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.