Side-by-side · Q2 2026 data
21st Century Bank vs Scale Bank
Metric by metric
| Measure | 21st Century Bank | Scale Bank |
|---|---|---|
| TellerScore | 70 | 83 (stronger) |
| Capital cushion | 57 | 90 (stronger) |
| Loan quality | 94 | 98 (stronger) |
| Earnings | 73 | 100 (stronger) |
| Funding & liquidity | 35 (stronger) | 9 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 43rd | 84th |
| Total assets | $894.8M | $626.7M |
| Deposits / shares | $658.8M | $423.1M |
| Capital ratio | 10.66% | 14.02% (stronger) |
| Problem loans | 0.19% | 0.06% (stronger) |
| Net charge-offs | 0.10% | 0.00% (stronger) |
| Return on assets | 1.31% | 2.32% (stronger) |
| Loans ÷ deposits | 101.2% (stronger) | 119.9% |
| Uninsured deposits | 37.1% (stronger) | 52.2% |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.3% | — |
Scale Bank has the higher TellerScore (83 vs 70). On the 7 directional measures above (where higher or lower is clearly better), 21st Century Bank leads on 2 and Scale Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.