BanksSTATE BANK OF SCOTIA

STATE BANK OF SCOTIA

SCOTIA, NEMicroEst. Jan. 1, 1934, midnightFDIC #14069RSSD #926650FDIC
Latest · 2025-12-31

STATE BANK OF SCOTIA is an FDIC-insured commercial bank headquartered in SCOTIA, NE, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $58M and total deposits of $45M. Profitability stands at -0.76% ROA and -3.58% ROE, with a net interest margin of 2.91%. CET1 capital ratio: 33.34%, well above regulatory minimums. NPL ratio: 3.44% · Texas Ratio: 8.04%. Operates 1 domestic branch.

Assets
$58M
Deposits
$45M
Loans
$29M
Equity
$12M

Profitability

Return on Assets (ROA)-0.76%
Return on Equity (ROE)-3.58%
Net Interest Margin2.91%
Yield on Assets5.22%
Cost of Funds2.71%

Asset Quality

NPL Ratio3.44%
Net Charge-Off Ratio1.22%
Texas Ratio8.04%
NPA Ratio1.80%
ACL / Loans2.40%

Capital & Liquidity

CET1 Ratio33.34%
Tier 1 Capital33.34%
Total Capital Ratio34.61%
Leverage Ratio20.99%
Loan-to-Deposit64.41%

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