Scale Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 9.16 percentage points in Q2 2026, from 111.80% to 120.97%. It was the largest change from Q1 2026 among the key lines here. Among 221 Minnesota banks, Scale Bank sits 4th from the top on loan-to-deposit ratio, 120.97% as of Q2 2026. Scale Bank's loan-to-deposit ratio of 120.97% is well above the 80.55% median for banks in the $100M-1B asset tier, a gap of 40.41 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $511.9M |
| Net loans and leases | $507.3M |
| Loans held for sale | $0 |
| Loans to total assets | 81.68% |
| Loan-to-deposit ratio | 120.97% |
| Net loans to equity capital | 4.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.64% |
| Multifamily (5+ residential) | 6.80% |
| Commercial and industrial | 49.78% |
| Consumer | 0.23% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 7.07% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 83.74% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 9.59% |
| Interest income on loans | $11.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $335.7M | $443.1M | 19.35% | 38.97% | 0.62% |
| Q4 2023 | $324.5M | $450.4M | 18.50% | 40.80% | 1.04% |
| Q1 2024 | $357.4M | $425.9M | 16.09% | 37.82% | 0.99% |
| Q2 2024 | $399.2M | $385.9M | 14.76% | 33.97% | 0.82% |
| Q3 2024 | $399.8M | $425.2M | 15.75% | 33.36% | 0.77% |
| Q4 2024 | $366.5M | $413.9M | 17.72% | 34.53% | 0.66% |
| Q1 2025 | $362.2M | $406.3M | 18.38% | 37.23% | 0.51% |
| Q2 2025 | $381.0M | $400.6M | 17.15% | 35.29% | 0.47% |
| Q3 2025 | $404.3M | $431.4M | 13.33% | 32.40% | 0.34% |
| Q4 2025 | $453.0M | $423.7M | 14.75% | 45.01% | 0.25% |
| Q1 2026 | $452.0M | $404.3M | 15.09% | 48.77% | 0.16% |
| Q2 2026 | $511.9M | $423.1M | 13.64% | 49.78% | 0.23% |
Scale Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Scale Bank, freeSource: Call Report Schedule RC-C, 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)