Bank Comparison
Scale Bank vs Exchange Bank & Trust
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At Q2 2026, Exchange Bank & Trust is the larger bank, with $626.8M in total assets to Scale Bank's $626.7M; Scale Bank has the higher return on assets (2.82% vs 1.74%).
vs
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winning metrics across 13 scored rows (1 tied)
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Capital adequacy
| Metric | Scale Bank | Exchange Bank & Trust |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.02% | 12.97% |
| Equity / Assets | 18.63% | 12.71% |
Profitability
| Metric | Scale Bank | Exchange Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 2.82% | 1.74% |
| Return on Equity (ROE) | 14.38% | 14.07% |
| Net Interest Margin (NIM) | 7.60% | 4.13% |
| Yield on Earning Assets | 8.91% | 5.44% |
| Cost of Funds | 1.63% | 1.29% |
Asset quality
| Metric | Scale Bank | Exchange Bank & Trust |
|---|---|---|
| Texas Ratio | 0.36% | 1.00% |
| Non-Performing Loan Ratio | 0.06% | 0.23% |
| Non-Performing Asset Ratio | 0.05% | 0.13% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.89% | 1.44% |
Balance sheet
| Metric | Scale Bank | Exchange Bank & Trust |
|---|---|---|
| Total Assets | $626.7M | $626.8M |
| Total Deposits | $423.1M | $539.7M |
| Total Loans | $511.9M | $365.6M |
| Total Equity | $116.7M | $79.7M |
| Net Income (quarter) | $4.2M | $2.8M |
Liquidity & funding
| Metric | Scale Bank | Exchange Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 120.97% | 67.74% |
| Core Deposit Ratio | 91.22% | 90.66% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Scale Bank | Exchange Bank & Trust |
|---|---|---|
| Headquarters City | Edina | Atchison |
| Headquarters State | MN | KS |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 10 |
| Employees (FTE) | 114 | 85 |
| Established | October 8, 1970 | January 1, 1856 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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