First National Bank of Scotia: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank of Scotia of Scotia, NY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.74% | 1.34% | -0.60% | 20th bottom |
| ROAE | 7.81% | 13.32% | -5.51% | 24th bottom |
| Net Interest Margin | 4.29% | 3.93% | +0.36% | 70th above |
| Efficiency Ratio | 73.87% | 61.13% | +12.74% | 21st bottom |
| PPNR / Avg Assets | 1.15% | 1.68% | -0.53% | 27th below |
| Yield on Earning Assets | 5.15% | 5.67% | -0.52% | 29th below |
| Cost of Funds | 0.91% | 1.88% | -0.97% | 93rd top |
| Net Interest Spread | 3.88% | 3.32% | +0.56% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.34% | 0.94% | +0.40% | 21st bottom |
| NPA / Total Assets | 0.97% | 0.70% | +0.27% | 21st bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.16% | -0.08% | 21st bottom |
| ACL / Total Loans | 1.11% | 1.28% | -0.17% | 39th below |
| ACL / NPLs (Coverage) | 82.73% | 1539.78% | -1457.05% | 22nd bottom |
| Texas Ratio | 10.47% | 7.33% | +3.14% | 21st bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 170.45% | 1396.79% | -1226.34% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.65% | 19.51% | -5.86% | 35th below |
| Tier 1 Ratio | 13.65% | 19.54% | -5.89% | 35th below |
| Total Capital Ratio | 14.86% | 20.63% | -5.77% | 36th below |
| Leverage Ratio | 9.22% | 12.14% | -2.92% | 16th bottom |
| Equity / Assets | 9.48% | 11.38% | -1.90% | 36th below |
| TCE / Tangible Assets | 9.48% | 11.09% | -1.61% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.81% | 80.64% | +1.17% | 48th below |
| Core Deposit Ratio | 95.96% | 86.85% | +9.11% | 88th top |
| Wholesale Funding Ratio | 0.79% | 5.04% | -4.25% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.57% | 6.86% | -4.29% | 36th below |
| Loan Growth (Y/Y) | 1.20% | 7.91% | -6.71% | 27th below |
| Deposit Growth (Y/Y) | 3.31% | 6.29% | -2.98% | 45th below |
See First National Bank of Scotia's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of Scotia, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First National Bank of Scotia profile, how to read a UBPR, or how this data updates.