Headquartered in Edina, Minnesota, Scale Bank is a state-chartered bank with $626.7M in total assets and $423.1M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1970.
Based on its Q2 2026 filing, Scale Bank scores 83/100, which we describe as strong. That is higher than 84% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 26th. Its strongest component is earnings (100/100; 2.32%), and its lowest is funding & liquidity (9/100; 120% loans-to-deposits, 52% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (88 → 83), mostly because the funding & liquidity component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 88 |
| Q4 2024 | 85 |
| Q1 2025 | 84 |
| Q2 2025 | 88 |
| Q3 2025 | 86 |
| Q4 2025 | 80 |
| Q1 2026 | 82 |
| Q2 2026 | 83 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.27% |
| Q3 2024 | 16.38% |
| Q4 2024 | 14.85% |
| Q1 2025 | 16.05% |
| Q2 2025 | 16.65% |
| Q3 2025 | 16.82% |
| Q4 2025 | 13.43% |
| Q1 2026 | 14.36% |
| Q2 2026 | 14.02% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.05% |
| Q4 2024 | 0.09% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.07% |
| Q3 2025 | 0.30% |
| Q4 2025 | 0.11% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.06% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.00% |
| Q3 2024 | 2.00% |
| Q4 2024 | 1.51% |
| Q1 2025 | 1.69% |
| Q2 2025 | 1.97% |
| Q3 2025 | 2.01% |
| Q4 2025 | 2.20% |
| Q1 2026 | 1.87% |
| Q2 2026 | 2.32% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $626.7M | 14.02% | 0.06% | 2.32% | 119.9% |
| Q1 2026 | 82 | $569.6M | 14.36% | 0.10% | 1.87% | 110.8% |
| Q4 2025 | 80 | $564.3M | 13.43% | 0.11% | 2.20% | 106.0% |
| Q3 2025 | 86 | $553.5M | 16.82% | 0.30% | 2.01% | 92.8% |
| Q2 2025 | 88 | $520.0M | 16.65% | 0.07% | 1.97% | 94.1% |
| Q1 2025 | 84 | $524.0M | 16.05% | 0.29% | 1.69% | 88.2% |
| Q4 2024 | 85 | $530.3M | 14.85% | 0.09% | 1.51% | 87.6% |
| Q3 2024 | 88 | $545.7M | 16.38% | 0.05% | 2.00% | 93.1% |
| Q2 2024 | 87 | $503.2M | 16.27% | 0.02% | 2.00% | 102.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Independent BankBank Russell, MN | 76 out of 100, Strong | $632.3M | 9.9% | 0.14% | vs |
| American Heritage National BankBank Long Prairie, MN | 80 out of 100, Strong | $604.7M | 11.9% | 0.00% | vs |
| BankVistaBank Sartell, MN | 46 out of 100, Below average | $651.1M | 9.9% | 2.21% | vs |
| North Shore Bank of CommerceBank Duluth, MN | 71 out of 100, Strong | $598.5M | 8.7% | 0.14% | vs |
| Citizens Bank MinnesotaBank New Ulm, MN | 70 out of 100, Strong | $596.0M | 9.3% | 0.02% | vs |
| Wnb Financial, N.A.Bank Winona, MN | 76 out of 100, Strong | $583.7M | 10.3% | 0.08% | vs |
Deposit insurance
Is my money safe at Scale Bank?
Yes. Scale Bank is an FDIC-insured institution (FDIC certificate #20268). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 52.2% of deposits ($221.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Scale Bank lists 1 office in 1 city. Most locations:
- Edina, MN (1)
Identity & history
Profile
- Legal name
- Scale Bank
- Former names
- Fidelity Bank; Southwest Fidelity State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 20268
- RSSD ID
- 9357
- Primary regulator
- FDIC
- Holding company
- Scale Holding Co
- Established
- October 8, 1970
- Headquarters
- 7600 Parklawn Ave, Edina, MN 55435
- Website
- scale.bank
- Employees
- 114
Quick answers
Scale Bank: common questions
Is Scale Bank FDIC insured?
Yes. Scale Bank is an FDIC-insured institution (FDIC certificate #20268). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Scale Bank's TellerScore?
83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Scale Bank ever failed?
There is no failure record for FDIC certificate #20268 in the FDIC failed bank list.
How many branches does Scale Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Edina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Castle Rock BankBank Castle Rock, MN | 93 out of 100, Very strong | $293.5M | 14.2% | 0.01% | vs |
| Vermillion State BankBank Vermillion, MN | 90 out of 100, Very strong | $931.4M | 13.4% | 0.24% | vs |
| Ziegler Federal Credit UnionCredit union Bloomington, MN | 87 out of 100, Very strong | $4.3M | 26.9% | 1.09% | vs |
| Think Mutual BankBank Rochester, MN | 86 out of 100, Very strong | $2.2B | 16.3% | 0.25% | vs |
| Carpenters Federal Credit UnionCredit union Saint Paul, MN | 86 out of 100, Very strong | $44.3M | 16.0% | 1.01% | vs |
| Toro Employees Federal Credit UnionCredit union Bloomington, MN | 84 out of 100, Strong | $41.5M | 14.5% | 0.56% | vs |