| Metric | Scale Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.5% | +4.9% | +15.6 pts |
| Deposit growth (YoY) | +5.6% | +4.3% | +1.3 pts |
| Loan growth (YoY) | +34.5% | +5.3% | +29.2 pts |
| ROA | 2.32% | 1.28% | +1.0 pts |
| ROE | 11.9% | 12.4% | -0.6 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $626.7M | $423.1M | $507.3M | $116.7M | $6.8M | 2.32% | 7.69% | 0.05% |
| Q1 2026 | $569.6M | $404.3M | $447.8M | $114.6M | $2.7M | 1.87% | 7.62% | 0.08% |
| Q4 2025 | $564.3M | $423.7M | $449.0M | $113.2M | $11.9M | 2.20% | 6.43% | 0.09% |
| Q3 2025 | $553.5M | $431.4M | $400.4M | $113.4M | $8.0M | 2.01% | 5.93% | 0.22% |
| Q2 2025 | $520.0M | $400.6M | $377.1M | $111.2M | $5.2M | 1.97% | 5.93% | 0.05% |
| Q1 2025 | $524.0M | $406.3M | $358.2M | $109.5M | $2.2M | 1.69% | 5.78% | 0.20% |
| Q4 2024 | $530.3M | $413.9M | $362.7M | $107.5M | $8.1M | 1.51% | 5.96% | 0.06% |
| Q3 2024 | $545.7M | $425.2M | $396.0M | $111.6M | $8.1M | 2.00% | 5.82% | 0.03% |
Loan mix (Q2 2026): real estate $108.2M · commercial $254.8M · consumer $1.2M · securities $55.1M
| Ratio | Scale Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.32% | 1.28% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 12.4% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.69% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.3% | 61.2% | 44th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Scale Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Scale Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Scale Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Scale Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.