Scale Bank
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Data as of · sourced from FFIEC call reports. How we update
Scale Bank is an FDIC-insured commercial bank headquartered in Edina, MN, established in 1970 (FDIC certificate 20268), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $626.7M, up 20.5% from Q2 2025, the 37th largest of 221 banks headquartered in Minnesota. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.02% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20268
- Headquarters
- Edina, MN
- Established
- 1970
- Total assets, Q2 2026
- $626.7M
- Assets vs Q2 2025
- +20.5%
- Tier 1 leverage ratio, Q2 2026
- 14.02%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091014924
- Holding company
- SCALE HOLDING COMPANY
- Asset rank in state
- 37th of 221 in Minnesota
Scale Bank is one of the more profitable banks of its size. The Edina, Minnesota bank had $627 million in assets at June 30, 2026, up 20.5% from a year earlier. It earns about $2.82 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 7.60 cents of net interest income on every dollar of earning assets, about double the median of 3.95 cents for banks its size.
Earnings jumped: net income for the quarter was $4.2 million, 41% above the same quarter a year earlier. Over the same year, loans grew 34.3% and deposits grew 5.6%.
As of June 30, 2026, Scale Bank reported a return on assets of 2.82%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.36%. The figures come from its call report filed with the FFIEC.
Scale Bank ranks as the 37th largest of the 221 banks based in Minnesota, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 10.0% to $626.7M, loans rose 13.2% and deposits rose 4.7%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 49.8% of total loans, ahead of loans to nondepository financial institutions at 17.9%. The FDIC Summary of Deposits lists a single office for it, in Edina, MN. On its Q2 2026 call report, Scale Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 7600 Parklawn Ave, Edina, MN 55435
- County
- Hennepin
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 8, 1970
- Former names
- Fidelity Bank (1987-2023)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 114
- Domestic deposits
- $423.1M
- Allowance for credit losses
- $4.5M
- Net charge-offs (YTD)
- $10K
- Average total assets
- $589.5M
- Average total loans
- $467.5M
- Average interest-bearing deposits
- $249.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 8, 1970
- FDIC Cert
- 20268
- Fed RSSD
- 9357
- Website
- scale.bank →
- Parent Holding Company
- SCALE HOLDING COMPANY (RSSD 3362923)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Scale Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Scale Bank's total assets moved between a low of $503.2M (Q2 2024) and a high of $626.7M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$626.7M total assets against $520.0M; $510.0M total liabilities against $408.8M.
$507.3M net loans and leases against $377.1M; $423.1M total deposits against $400.6M.
$55.1M securities against $49.1M; $11.5M cash and balances due against $56.0M.
$12.5M total interest income against $8.8M; $1.8M total interest expense against $1.5M.
$10.6M net interest income against $7.2M.
$578K total noninterest income against $520K; $6.8M total noninterest expense against $4.8M.
$300K provision for credit losses against $0.
$4.2M net income against $3.0M.
2.82% return on assets against 2.28%; 7.60% net interest margin against 5.75%.
14.02% tier 1 leverage ratio against 16.65%.
Inside the full Scale Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Scale Bank rankings
Its closest position to the top of a national ranking is 95 of 3,611, for ROA; its furthest is 3,045 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.01% (Q4 2024) to 2.82% (Q2 2026) and its net interest margin ran from 5.49% (Q1 2025) to 7.60% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.02% | 2.82% | 0.06% | 0.36% | 7.60% |
| Q1 2026 | 14.36% | 1.91% | 0.10% | 0.56% | 7.40% |
| Q4 2025 | 13.43% | 2.68% | 0.11% | 0.67% | 7.34% |
| Q3 2025 | 16.82% | 2.17% | 0.30% | 1.38% | 5.87% |
| Q2 2025 | 16.65% | 2.28% | 0.07% | 0.32% | 5.75% |
| Q1 2025 | 16.05% | 1.69% | 0.29% | 1.28% | 5.49% |
| Q4 2024 | 14.85% | 0.01% | 0.09% | 0.41% | 5.81% |
| Q3 2024 | 16.38% | 2.07% | 0.05% | 0.22% | 5.78% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Scale Bank (main office) | Edina , MN | 55435 | $423.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MN, rank 71 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 13 loans, $4.8M approved, $373K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Scale Bank
What are Scale Bank's total assets?
As of the Q2 2026 filing, Scale Bank reported total assets of $626.7 million in its FFIEC call report.
Where is Scale Bank headquartered?
It is headquartered in Edina, MN, United States.
When was Scale Bank founded?
It was established in 1970, per the FDIC institution directory.
Is Scale Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20268). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Scale Bank?
Scale Bank's primary federal regulator is the FDIC.
How many branches does Scale Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Scale Bank's Texas Ratio?
Its Texas Ratio is 0.36% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Scale Bank previously called?
The charter now named Scale Bank has also operated as Fidelity Bank (1987-2023), per FDIC structure-change records.
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