First National Bank of Scotia
Also written as FNB of Scotia
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Scotia is an FDIC-insured commercial bank headquartered in Scotia, NY, supervised by the OCC, with $719.0M in total assets at Q2 2026, up 2.6% from Q2 2025, the 58th largest of 105 banks headquartered in New York. It was established in 1923 and holds FDIC certificate 11501. Its CET1 capital ratio was 13.65% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 11501
- Headquarters
- Scotia, NY
- Established
- 1923
- Total assets, Q2 2026
- $719.0M
- Assets vs Q2 2025
- +2.6%
- CET1 ratio, Q2 2026
- 13.65%
- Domestic offices
- 10 · First National Bank of Scotia branches FDIC institution directory, current count
- Routing number
- 021310711
- Safety and soundness
- Is First National Bank of Scotia safe?
- Latest call report
- Q2 2026, FFIEC 041 · First National Bank of Scotia call report
- Holding company
- GLENVILLE BANK HOLDING COMPANY, INC.
- Asset rank in state
- 58th of 105 in New York
First National Bank of Scotia, based in Scotia, New York, reported $719 million in assets at June 30, 2026, up 2.6% from a year earlier. It pays an average of 0.91% on its deposits and borrowings, about half the median of 1.80% for the 2,627 banks with $100 million to $1 billion in assets. On the other hand, it funds 9.22% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Net income for the quarter slipped 12% from a year earlier, to $1.3 million. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.50% of loans from 1.38% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.5% of the capital and reserves that would absorb them, 3.9 times the median of 2.7% for banks its size.
As of June 30, 2026, First National Bank of Scotia reported a CET1 capital ratio of 13.65%, a return on assets of 0.74%, a nonperforming-loan ratio of 1.50% and a Texas ratio of 10.46%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, First National Bank of Scotia is the 58th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.8% to $719.0M, loans rose 0.9% and deposits rose 1.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 39.7% of total loans, ahead of auto loans at 23.6%. Its 10 offices in the FDIC Summary of Deposits are in 8 cities in NY; its Scotia office books 23% of its branch deposits. On its Q2 2026 call report, First National Bank of Scotia meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 Mohawk Ave, Scotia, NY 12302
- County
- Schenectady
- Metro Area
- Albany-Schenectady-Troy, NY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1923
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 143
- Domestic deposits
- $632.0M
- Allowance for credit losses
- $5.7M
- Net charge-offs (YTD)
- $352K
- Average total assets
- $716.3M
- Average total loans
- $516.2M
- Average interest-bearing deposits
- $446.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11501
- Fed RSSD
- 472616
- Website
- www.firstscotia.com →
- Parent Holding Company
- GLENVILLE BANK HOLDING COMPANY, INC. (RSSD 3471889)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First National Bank of Scotia's total assets ran between $653.3M (Q1 2024) and $722.4M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$719.0M total assets against $701.1M; $650.9M total liabilities against $639.7M.
$511.3M net loans and leases against $505.4M; $632.0M total deposits against $611.7M.
$77.2M securities against $74.1M; $84.2M cash and balances due against $78.6M.
$8.6M total interest income against $8.2M; $1.4M total interest expense against $1.3M.
$7.1M net interest income against $6.9M.
$828K total noninterest income against $1.0M; $5.9M total noninterest expense against $5.7M.
$317K provision for credit losses against $148K.
$1.3M net income against $1.5M.
0.74% return on assets against 0.86%; 4.29% net interest margin against 4.20%.
13.65% CET1 capital ratio against 12.80%; 9.22% tier 1 leverage ratio against 8.90%.
Inside the full First National Bank of Scotia terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank of Scotia rankings
Its closest position to the top of a national ranking is 595 of 3,640, for Texas Ratio; its furthest is 2,990 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.57% (Q4 2025) to 0.86% (Q2 2025) and its net interest margin ran from 4.01% (Q1 2025) to 4.34% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.65% | 0.74% | 1.50% | 10.46% | 4.29% |
| Q1 2026 | 13.33% | 0.73% | 1.45% | 10.29% | 4.28% |
| Q4 2025 | 13.14% | 0.57% | 1.51% | 10.85% | 4.29% |
| Q3 2025 | 13.15% | 0.81% | 1.24% | 9.26% | 4.34% |
| Q2 2025 | 12.80% | 0.86% | 1.38% | 10.55% | 4.20% |
| Q1 2025 | 12.65% | 0.64% | 1.37% | 10.80% | 4.01% |
| Q4 2024 | 12.78% | 0.76% | 1.48% | 11.54% | 4.23% |
| Q3 2024 | 12.68% | 0.85% | 1.45% | 11.63% | 4.08% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Bank of Scotia (main office) | Scotia , NY | 12302 | $145.5M |
| Glenville Branch | Glenville , NY | 12302 | $118.8M |
| Niskayuna Branch | Niskayuna , NY | 12309 | $77.3M |
| Rotterdam Branch | Schenectady , NY | 12303 | $62.5M |
| Colonie Branch | Colonie , NY | 12205 | $52.2M |
| Schenectady Branch | Schenectady , NY | 12305 | $50.4M |
| Guilderland-Westmere Branch | Guilderland , NY | 12084 | $43.9M |
| Clifton Park Office | Clifton Park , NY | 12065 | $30.2M |
| Saratoga Branch | Saratoga Springs , NY | 12866 | $29.5M |
| Ge Global Research Center | Schenectady , NY | 12309 | $21.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 92 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 177 applications, 136 loans originated, $38.3M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $525K approved, $175K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 Q2 2026 filing, First National Bank of Scotia reported total assets of $719.0 million in its FFIEC call report.
Where is First National Bank of Scotia headquartered?
It is headquartered in Scotia, NY, United States.
When was First National Bank of Scotia founded?
It was established in 1923, per the FDIC institution directory.
Is First National Bank of Scotia FDIC-insured?
Yes. It 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.
What is First National Bank of Scotia's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.65% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank of Scotia operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of Scotia's Texas Ratio?
Its Texas Ratio is 10.46% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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