# SCALE BANK
EDINA, MN · FDIC certificate 20268 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $626.7M | |
| Deposits | $423.1M | |
| Loans and leases | $511.9M | |
| Total equity | $116.7M | |
| Loans / deposits | 119.90% (p99 of band) | 82.04% |
| Liquid assets / assets | 10.62% (p6 of band) | |
| Uninsured deposits / deposits | 52.23% (p96 of band) | 25.97% |
| Brokered deposits | 5.22% | |
| Wholesale funding | 17.19% (p90 of band) | |
| FHLB advances / assets | 11.97% | |
| Tier 1 leverage | 14.02% (p85 of band) | 10.81% |
| Unrealized securities loss / equity | -1.12% (p85 of band) | -8.10% |
| AOCI / equity | -0.63% (p35 of band) | |
| ROA (annualized) | 2.32% (p92 of band) | 1.28% |
| Net interest margin | 7.69% (p100 of band) | 3.91% |
| Efficiency ratio | 59.30% (p44 of band) | |
| Noncurrent loans | 0.06% (p19 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 1559.11% | |
| Real estate % of loans | 21% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $48,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $91.8M (79% of equity) (p100 of band) | |
| Deposits YoY | 5.6% | |
| Employees | 114 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **uninsured deposits >50%** (`liq_uninsured`)
- **wholesale funding >15%** (`liq_wholesale`)
- **run vulnerability** (`liq_runrisk`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | loans exceed deposits |  |
| 2011-12 | 3 | wholesale funding >15%, capital falling |  |
| 2012-03 | 0 |  | loans exceed deposits, wholesale funding >15%, capital falling |
| 2012-06 | 2 | loans exceed deposits, loans-to-lenders >50% equity |  |
| 2012-09 | 3 | wholesale funding >15% |  |
| 2012-12 | 5 | brokered >10%, capital falling |  |
| 2013-03 | 2 | uninsured deposits >50% | loans exceed deposits, wholesale funding >15%, brokered >10%, capital falling |
| 2013-06 | 4 | loans exceed deposits, run vulnerability |  |
| 2013-09 | 2 | assets shrinking | loans-to-lenders >50% equity, loans exceed deposits, run vulnerability |
| 2013-12 | 4 | capital falling, deposits shrinking |  |
| 2014-03 | 1 |  | assets shrinking, capital falling, deposits shrinking |
| 2014-06 | 4 | loans exceed deposits, wholesale funding >15%, loans-to-lenders >50% equity |  |
| 2014-09 | 3 | capital falling | loans exceed deposits, wholesale funding >15% |
| 2014-12 | 3 |  |  |
| 2015-03 | 4 | loans exceed deposits, run vulnerability | capital falling |
| 2015-06 | 4 |  |  |
| 2015-09 | 2 |  | loans exceed deposits, run vulnerability |
| 2015-12 | 3 | run vulnerability |  |
| 2016-03 | 3 | assets shrinking | run vulnerability |
| 2016-06 | 5 | loans exceed deposits, wholesale funding >15%, run vulnerability | assets shrinking |
| 2016-09 | 4 |  | wholesale funding >15% |
| 2016-12 | 4 | capital falling | loans exceed deposits |
| 2017-03 | 2 |  | run vulnerability, capital falling |
| 2017-06 | 3 | assets shrinking |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | assets shrinking |
| 2018-03 | 4 | deposits shrinking, assets shrinking |  |
| 2018-06 | 6 | loans exceed deposits, run vulnerability, uninsured deposits leaving | assets shrinking |
| 2018-09 | 5 | assets shrinking | loans exceed deposits, run vulnerability |
| 2018-12 | 2 |  | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2019-03 | 4 | run vulnerability, deposits shrinking |  |
| 2019-06 | 5 | loans exceed deposits, wholesale funding >15% | deposits shrinking |
| 2019-09 | 4 | capital falling | uninsured deposits >50%, run vulnerability |
| 2019-12 | 5 | uninsured deposits >50%, run vulnerability | wholesale funding >15% |
| 2020-03 | 4 | wholesale funding >15%, liquid assets <10% | capital falling, uninsured deposits >50%, run vulnerability |
| 2020-06 | 5 | brokered >10% |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 4 |  | liquid assets <10% |
| 2021-03 | 6 | uninsured deposits >50%, run vulnerability |  |
| 2021-06 | 6 | deposits shrinking, assets shrinking | wholesale funding >15%, brokered >10% |
| 2021-09 | 6 | charge-offs p90 | loans exceed deposits |
| 2021-12 | 4 |  | run vulnerability, charge-offs p90 |
| 2022-03 | 5 | uninsured deposits leaving |  |
| 2022-06 | 4 | charge-offs p90 | deposits shrinking, uninsured deposits leaving |
| 2022-09 | 3 |  | assets shrinking |
| 2022-12 | 3 | capital falling | charge-offs p90 |
| 2023-03 | 2 |  | capital falling |
| 2023-06 | 4 | deposits shrinking, assets shrinking |  |
| 2023-09 | 5 | uninsured deposits leaving |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 4 |  | uninsured deposits leaving |
| 2024-06 | 7 | loans exceed deposits, run vulnerability, uninsured deposits leaving |  |
| 2024-09 | 2 |  | deposits shrinking, assets shrinking, loans exceed deposits, run vulnerability, uninsured deposits leaving |
| 2024-12 | 5 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2025-03 | 2 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 4 | loans exceed deposits, run vulnerability |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 5 | wholesale funding >15% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-09-19 [Edina's Fidelity Bank rebrands as Scale Bank - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPaXVjLW5rZzZQZ0xTc2RqR29TdVQ3bkRSVlNraXlibHQ2X3lXNlQ4VnFwWFdleGg5WEhwX2pld0N2YzNmRkxnd2c5X2RvNjhCOWx2WkluVkprRHlQanBTT016Y3ZLMll1Z1hxUmx0MXlXelBDeksyZHZ1RW9CUlVsemFKaGhKYTlVRkVQWkVKZUZrWXQ4ZVhJcUl5T0ViTkxmLXBMX3VR?oc=5) · The Business Journals
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - Minnesota - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxOUzh0Z3pCcmdqcXR3Vi0xQ0IzV0VKUGE3ZHpzRWVTcGpKSjFNMk5BZ2c0SnRCa1ZYRVlzd0dfX3ZlWVpDaDVhNXdGSXpERG0tZzN6VzRTRkp1ek50ZFJCei1sWHhSNXoxSlg0di1CMkpLUzliel9KS1dLWXMwOVdnaXpFcHJMUm9ydmxuMFpISDg?oc=5) · Newsweek Rankings
- 2023-10-02 [How Scale Bank is creating an authentic brand - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQOUFEMWFoRjVGTGtPYXdaVG92dkMwXzQ1eEpGaENXQkhDdTM5Q1RCSDAxYWhnNU90cUoxcXdJLVphd0JqQUpfdnNPSkRHVnVyQWU2VFhxVS1BV0d3eUpSUU5MeHFyNDNtNTZjb0pjMTYwNHpZeXJWcFVFU05id21qZnQ4SEoxaXBxQ29Ud2pOYVlFV0ZIYXJLWHBJYUt5bHI3aEMxeld6cTY?oc=5) · The Business Journals
- 2026-01-13 [MN Cup 2025: Delano Bat Co. - Twin Cities Business](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1pclJHaEZMWTJNRzZJMlRFTWg2cHNvR0M4MDRIdkJVeE9KMzY3YURIdEF0WmJWc0dwa3g1RXFwcDBZZHVCRzZaLUNyNTkwdGI3RGhFWUU4djNhUE1jUEgxZzdR?oc=5) · Twin Cities Business
- 2025-08-25 [Osseo Senior High School student attends summer business camp - hometownsource.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNN096M1RCUGp2MndoXzkxQktfaUszaHpYb2k2dUJMemhVN3JoZTh5eTVJN1p4dmlmMTE0eXd1bmNaNnUwRXFlUTlJU045YzhtYWUwM0FSWDI3MF96X3ZLcWdpa0RUR1o0RG9mbVl6eW16eTFHVFFVTzl1THlDTUQ2aUt5akkyVnJiNEZ6cUx6NXZXNFhoMlFhUGVGUVdSaG12MVpNeURrVW8tekw3X0xjTFZXSjFQLXJLZFNSUmhVYXFrVHVKUGNEUWhrZ1R5MTFZUzZCRzNrcWk4eVRYZnd4MFkyU0NlVEVGdlhYSHZ5Z29HNnVq?oc=5) · hometownsource.com
- 2026-03-25 [Search warrants reveal multi-state bank fraud in Fargo - InForum](https://news.google.com/rss/articles/CBMikwFBVV95cUxPQWp0aEU4amo5Y0JhY2VBTDJHbi1XYWJuM09rZ1Zfakp5Ukk1Uy1nTzVZclA4THFGZk10bGhVSFZwVlViSEM0c1cxaTVaRDJScUJhdFY5aWdidU1JdVJERDJ0QVpHS1FrOWxIWGJzWkF4UWZsLUVQaTc3bExZREZHNjBDa3VCTGc0UXlQOFZmV0Fremc?oc=5) · InForum
- 2025-08-07 [The Garter Toss: Get Hitched on the Cheap at MN’s First Wedding Chapel Set in ’80s Miami - Racket MN](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQZUlmTDZFb2dnNGt2a1ptVkQ4Y0NuMU94eXVwNWxoOUZUWkQtcTBVaEREeFdMQ0Qyd1drQ3kzaTNjYWlDVlE0alJfZDkxN3FleUxuVVVmWktmajUzT2ptNFlsZ21RS1h1Zkk4YmkyZEd3NWtpcXk5MHFEQlVLMXlMcl9mRE5xbUxLZjJQSmtEaFE0U19oNXhqc0tLNWdQNk1aaFV4c3kwOF9JZw?oc=5) · Racket MN
- 2026-06-10 [Anil Ambani Aide In CBI Custody Over Rs 9,280 Crore Fraud - Rediff](https://news.google.com/rss/articles/CBMioAFBVV95cUxNaFk3TWk3SUYyWDVfT3VmWFpVNDQ0ZldHMmxqQVBrODBBcHZYa0tJYi1NbmJGRVltRjd3WmpRcHZrdU9QalQycFlXTmJuaVFpWUllUGNjNC1qb3BTZUdBS0NELWpjS2RtVG9QYUx5N0Yyb1hsZjNTaUFWV1NFbkVmbkZ4RGxSbDFDSlYtRWhXVlZDSWQxNFBQZjNZblF0N05s0gGjAUFVX3lxTFBXMkl6SFVfaTdQaUoyMW42a2NBbDFyNlUxY0F3cWxLTUdDUUViVVJnNmdtd3MzZVgwX25neDBRX0stai03eGlUMHB6TzZVeVRKajRxM1lQVW83VmFtX2tndEZYNzJQeHJTSndCSWRiZmdWTDhZS0hHQ0drUUZDMjRIcnd3U0xxTmtOOFpETkpjcUJGQ0dLckJ2NHhVanVNV1lQYUE?oc=5) · Rediff

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20268 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/44.json (key "20268", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide