FIRST NATIONAL BANK OF SCOTIA
FIRST NATIONAL BANK OF SCOTIA is an FDIC-insured commercial bank headquartered in SCOTIA, NY, established in 1923. As of , the bank reported total assets of $699M and total deposits of $614M. Profitability stands at 0.56% ROA and 6.14% ROE, with a net interest margin of 4.29%. CET1 capital ratio: 13.14%, well above regulatory minimums. NPL ratio: 1.35% · Texas Ratio: 9.69%. Operates 10 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
First National Bank of Scotia rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 13.14% | 0.56% | 1.35% | 9.69% | 4.29% |
| 2025-09-30 | 13.15% | 0.81% | 1.16% | 8.64% | 4.33% |
| 2025-06-30 | 12.80% | 0.86% | 1.29% | 9.82% | 4.21% |
| 2025-03-31 | 12.65% | 0.64% | 1.32% | 10.40% | 4.01% |
| 2024-12-31 | 12.78% | 0.76% | 1.58% | 12.37% | 4.22% |
| 2024-09-30 | 12.68% | 0.85% | 1.53% | 12.23% | 4.08% |
| 2024-06-30 | 12.31% | 0.72% | 1.54% | 12.95% | 4.05% |
| 2024-03-31 | 12.35% | 0.76% | 0.71% | 6.00% | 4.00% |
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Frequently asked about FIRST NATIONAL BANK OF SCOTIA
What are First National Bank of Scotia's total assets?
As of the Q4 2025 filing, First National Bank of Scotia reported total assets of $698.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank of Scotia headquartered?
First National Bank of Scotia is headquartered in SCOTIA, NY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank of Scotia founded?
First National Bank of Scotia was established in 1923, per the FDIC institution directory.
Is First National Bank of Scotia FDIC-insured?
Yes. First National Bank of Scotia is an FDIC-insured commercial bank (FDIC Certificate #11501). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of Scotia?
First National Bank of Scotia's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First National Bank of Scotia's CET1 capital ratio?
First National Bank of Scotia reported a Common Equity Tier 1 (CET1) capital ratio of 13.14% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First National Bank of Scotia operate?
First National Bank of Scotia operates 10 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First National Bank of Scotia's Texas Ratio?
First National Bank of Scotia's Texas Ratio is 9.69% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.