Scale Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 9.21 percentage points in Q2 2026, from 113.03% to 122.24%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Scale Bank ranks 4th highest among the 221 banks headquartered in Minnesota, at 120.97% (Q2 2026). Against a median of 80.55% for banks in the $100M-1B asset tier, Scale Bank reported 120.97% on loan-to-deposit ratio in Q2 2026, 40.41 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $66.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $75.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.97% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 120.97% |
| Net loans and leases to deposits | 119.90% |
| Loans and leases to core deposits | 122.24% |
| Core deposits to total deposits | 91.22% |
| Brokered deposits to total deposits | 7.74% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 75.78% | 98.54% | $0 | $0 |
| Q4 2023 | 72.06% | 99.12% | $0 | $0 |
| Q1 2024 | 83.92% | 99.35% | $0 | $0 |
| Q2 2024 | 103.43% | 99.30% | $0 | $0 |
| Q3 2024 | 94.02% | 99.18% | $0 | $0 |
| Q4 2024 | 88.55% | 99.03% | $0 | $0 |
| Q1 2025 | 89.16% | 99.12% | $0 | $0 |
| Q2 2025 | 95.10% | 98.86% | $0 | $0 |
| Q3 2025 | 93.74% | 98.85% | $0 | $0 |
| Q4 2025 | 106.92% | 98.90% | $0 | $15.0M |
| Q1 2026 | 111.80% | 98.91% | $0 | $40.0M |
| Q2 2026 | 120.97% | 91.22% | $0 | $75.0M |
Scale Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Scale Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Scale Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20268) · FFIEC NIC profile (RSSD 9357)