First National Bank of Scotia: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The biggest quarter-over-quarter change on this page was a small one: Retained earnings edged up 2.5% between Q1 2026 and Q2 2026, to $54.6M. Within New York, First National Bank of Scotia is 60th of 82 on CET1 ratio, 13.65% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First National Bank of Scotia sits 1.42 points lower, at 13.65% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.65% |
| Tier 1 risk-based capital ratio | 13.65% |
| Total risk-based capital ratio | 14.86% |
| Tier 1 leverage ratio | 9.22% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $66.1M |
| Tier 1 capital | $66.1M |
| Total risk-based capital | $71.9M |
| Total equity capital | $68.2M |
| Risk-weighted assets | $484.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.48% |
| Tangible equity to tangible assets | 9.48% |
| Equity capital to average assets | 9.52% |
| Internal capital growth rate | 7.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.9M |
| Common stock surplus | $9.6M |
| Retained earnings | $54.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $2.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.76% | 11.76% | 13.01% | 8.27% | $474.7M |
| Q4 2023 | 12.09% | 12.09% | 13.33% | 8.46% | $468.0M |
| Q1 2024 | 12.35% | 12.35% | 13.60% | 8.66% | $465.8M |
| Q2 2024 | 12.31% | 12.31% | 13.56% | 8.73% | $472.0M |
| Q3 2024 | 12.68% | 12.68% | 13.92% | 8.82% | $469.7M |
| Q4 2024 | 12.78% | 12.78% | 13.99% | 8.90% | $472.9M |
| Q1 2025 | 12.65% | 12.65% | 13.80% | 8.91% | $482.1M |
| Q2 2025 | 12.80% | 12.80% | 13.96% | 8.90% | $485.7M |
| Q3 2025 | 13.15% | 13.15% | 14.31% | 8.94% | $483.8M |
| Q4 2025 | 13.14% | 13.14% | 14.30% | 9.13% | $487.3M |
| Q1 2026 | 13.33% | 13.33% | 14.50% | 9.19% | $485.6M |
| Q2 2026 | 13.65% | 13.65% | 14.86% | 9.22% | $484.0M |
First National Bank of Scotia regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Scotia, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Bank of Scotia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11501) · FFIEC NIC profile (RSSD 472616)