Scale Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Scale Bank of Edina, MN against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.82% | 1.25% | +1.57% | 96th top |
| ROAE | 14.38% | 12.22% | +2.16% | 61st above |
| Net Interest Margin | 7.60% | 3.95% | +3.65% | 100th top |
| Efficiency Ratio | 54.21% | 63.71% | -9.50% | 71st above |
| PPNR / Avg Assets | 3.03% | — | — | 96th top |
| Yield on Earning Assets | 8.91% | 5.67% | +3.24% | 99th top |
| Cost of Funds | 1.63% | 1.87% | -0.24% | 60th above |
| Net Interest Spread | 6.53% | — | — | 100th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.88% | -0.82% | 78th top |
| NPA / Total Assets | 0.05% | — | — | 78th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 76th top |
| ACL / Total Loans | 0.89% | — | — | 16th bottom |
| ACL / NPLs (Coverage) | 1559.11% | — | — | — |
| Texas Ratio | 0.36% | 5.96% | -5.60% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.02% | 11.75% | +2.27% | 81st top |
| Equity / Assets | 18.63% | 10.98% | +7.65% | 95th top |
| TCE / Tangible Assets | 13.06% | — | — | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 120.97% | 80.44% | +40.53% | 1st bottom |
| Core Deposit Ratio | 91.22% | 86.95% | +4.27% | 62nd above |
| Wholesale Funding Ratio | 11.97% | — | — | 9th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 20.52% | — | — | 95th top |
| Loan Growth (Y/Y) | 34.35% | — | — | 97th top |
| Deposit Growth (Y/Y) | 5.62% | — | — | 61st above |
See Scale Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Scale Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Scale Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Scale Bank peer analysis.