First National Bank of Scotia: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 1.64 percentage points lower than in Q1 2026, at 5.15%. Within New York, First National Bank of Scotia is 62nd of 105 on loan-to-deposit ratio, 81.81% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; First National Bank of Scotia reported 81.81% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $517.0M |
| Net loans and leases | $511.3M |
| Loans held for sale | $0 |
| Loans to total assets | 71.91% |
| Loan-to-deposit ratio | 81.81% |
| Net loans to equity capital | 7.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.57% |
| Multifamily (5+ residential) | 7.14% |
| Commercial and industrial | 9.89% |
| Consumer | 24.76% |
| Credit cards | 0.50% |
| Farm | 0.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 125.18% |
| Construction concentration (Tier 1 capital + allowance) | 5.15% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.83% |
| Interest income on loans | $7.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $492.0M | $600.8M | 18.48% | 10.58% | 32.27% |
| Q4 2023 | $488.7M | $577.5M | 18.03% | 10.21% | 31.84% |
| Q1 2024 | $487.4M | $590.8M | 18.66% | 10.52% | 31.46% |
| Q2 2024 | $494.5M | $600.5M | 19.09% | 10.55% | 30.84% |
| Q3 2024 | $494.3M | $607.6M | 19.46% | 10.88% | 29.50% |
| Q4 2024 | $500.2M | $594.8M | 19.00% | 10.68% | 28.87% |
| Q1 2025 | $504.9M | $607.4M | 18.68% | 10.49% | 29.40% |
| Q2 2025 | $510.9M | $611.7M | 18.15% | 10.34% | 29.49% |
| Q3 2025 | $514.7M | $634.8M | 18.49% | 10.09% | 28.36% |
| Q4 2025 | $515.9M | $613.9M | 18.13% | 10.46% | 26.84% |
| Q1 2026 | $512.7M | $620.7M | 17.61% | 10.30% | 25.46% |
| Q2 2026 | $517.0M | $632.0M | 17.57% | 9.89% | 24.76% |
First National Bank of Scotia loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Scotia, freeSource: Call Report Schedule RC-C, 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)