FIRST NATIONAL BANK OF SCOTIA

FIRST NATIONAL BANK OF SCOTIA is an FDIC-insured commercial bank headquartered in SCOTIA, NY, established in Jan. 1, 1923, midnight. As of 2025-12-31, 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 4.30%. CET1 capital ratio: 13.14%, well above regulatory minimums. NPL ratio: 1.35% · Texas Ratio: 9.67%.