Scale Bank: how it compares with its peers
Against 72 MN banks with half to twice its assets, Scale Bank's strongest measure in Q2 2026 is net interest margin (7.69% vs. a 3.93% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $7.9M).
| Measure | Scale Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.32% | 1.31% | Top third Ahead of 94% of peers |
| Net interest margin Annualized net interest income over earning assets. | 7.69% | 3.93% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.30% | 61.89% | Middle third Ahead of 54% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $7.9M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 119.90% | 85.45% | Context |
What it means for lending operations
Its efficiency ratio of 59.30% is better than the 61.89% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Independent Bank Russell, MN · $632M
- American Heritage National Bank Long Prairie, MN · $605M
- BankVista Sartell, MN · $651M
- North Shore Bank of Commerce Duluth, MN · $599M
- Citizens Bank Minnesota New Ulm, MN · $596M
- WNB FINANCIAL, N.A. Winona, MN · $584M
Questions about Scale Bank
How big is Scale Bank?
Scale Bank, established in 1970, is headquartered in Edina, MN. It reported $627M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Scale Bank's return on assets?
2.32% annualized in Q2 2026, against a 1.31% median for 72 MN banks with half to twice its assets, ahead of 94% of them.
What is Scale Bank's efficiency ratio?
59.30% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 61.89%, and lower is better.
Is Scale Bank growing its loans?
Net loans grew 34.5% over the year to Q2 2026, while deposits grew 5.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.