BlastPoint's Banking Scorecard
Scale Bank
Community
Specialty: Commercial
MN
FDIC cert 20268
Edina, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Scale Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 4% in Community
- + Deposit Franchise: Top 9% in Community
- + Credit Quality Leader: Top 16% in Community
- + Loan-to-Deposit Ratio 22.92% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$564.3M
+6.4% YoY
+1.9% QoQ
|
-$827.1M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$449.0M
+23.8% YoY
+12.1% QoQ
|
-$526.5M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$423.7M
+2.4% YoY
-1.8% QoQ
|
-$740.9M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
2.20%
+45.8% YoY
+9.6% QoQ
|
+1.04% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
6.43%
+8.0% YoY
+8.5% QoQ
|
+2.77% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
60.24%
+0.2% YoY
-2.6% QoQ
|
-2.39% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
0.11%
+24.0% YoY
-62.3% QoQ
|
-0.52% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
105.98%
+20.9% YoY
+14.2% QoQ
|
+22.92% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.26%
-7.7% YoY
-6.4% QoQ
|
+14.21% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.09%
+44.2% YoY
-58.5% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.40%
-9.4% YoY
+29.2% QoQ
|
-0.34% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#14 of 371 · Top 4% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.20%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#15 of 150 · Top 9% in Community
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:
35.26%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
6.43%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Credit Quality Leader
growth
#62 of 371 · Top 16% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.11%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Loan-to-Deposit Ratio
metric
Top 6%
in Community
Why this stands out
Current:
105.98%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (1)
Credit Quality Pressure
risk
#56 of 808 · Bottom 7% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.11%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Net Interest Margin
Current: 6.43% · Tier avg: 3.66%
94
94th pctile
Return on Assets
Current: 2.20% · Tier avg: 1.16%
94
94th pctile
Loan-to-Deposit Ratio
Current: 105.98% · Tier avg: 83.06%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.26% · Tier avg: 21.05%
80
80th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
55
55th pctile
Efficiency Ratio
Current: 60.24% · Tier avg: 62.63%
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
23
23th pctile
Total Loans
Current: $449.0M · Tier avg: $975.5M
9
9th pctile
Total Assets
Current: $564.3M · Tier avg: $1.4B
2
2th pctile
Total Deposits
Current: $423.7M · Tier avg: $1.2B
Top Weaknesses
2
2th pctile
Total Deposits
Current: $423.7M · Tier avg: $1.2B
9
9th pctile
Total Assets
Current: $564.3M · Tier avg: $1.4B
23
23th pctile
Total Loans
Current: $449.0M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
55
55th pctile
Efficiency Ratio
Current: 60.24% · Tier avg: 62.63%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
80
80th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.26% · Tier avg: 21.05%
94
94th pctile
Loan-to-Deposit Ratio
Current: 105.98% · Tier avg: 83.06%
94
94th pctile
Return on Assets
Current: 2.20% · Tier avg: 1.16%
99
99th pctile
Net Interest Margin
Current: 6.43% · Tier avg: 3.66%