First National Bank of Scotia: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 0.79 percentage points in Q2 2026, from 82.60% to 81.81%. It was the largest change from Q1 2026 among the key lines here. Within New York, First National Bank of Scotia is 72nd of 105 on return on assets, 0.74% as of Q2 2026, below the middle of the field. First National Bank of Scotia reported 0.74% on return on assets for Q2 2026, 0.52 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.65% |
| Tier 1 risk-based capital ratio | 13.65% |
| Total risk-based capital ratio | 14.86% |
| Tier 1 leverage ratio | 9.22% |
| Equity capital to assets | 9.48% |
| Tangible equity to tangible assets | 9.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.34% |
| Non-performing assets ratio | 0.97% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 10.47% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 82.73% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.74% |
| Return on equity | 7.81% |
| Net interest margin | 4.29% |
| Efficiency ratio | 73.87% |
| Yield on earning assets | 5.15% |
| Cost of funds | 0.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.81% |
| Core deposits to total deposits | 95.96% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.89% |
| Securities to assets | 10.74% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.76% | 11.76% | 13.01% | 8.27% | 0.82% |
| Q4 2023 | 12.09% | 12.09% | 13.33% | 8.46% | 0.57% |
| Q1 2024 | 12.35% | 12.35% | 13.60% | 8.66% | 0.75% |
| Q2 2024 | 12.31% | 12.31% | 13.56% | 8.73% | 0.71% |
| Q3 2024 | 12.68% | 12.68% | 13.92% | 8.82% | 0.85% |
| Q4 2024 | 12.78% | 12.78% | 13.99% | 8.90% | 0.76% |
| Q1 2025 | 12.65% | 12.65% | 13.80% | 8.91% | 0.64% |
| Q2 2025 | 12.80% | 12.80% | 13.96% | 8.90% | 0.86% |
| Q3 2025 | 13.15% | 13.15% | 14.31% | 8.94% | 0.81% |
| Q4 2025 | 13.14% | 13.14% | 14.30% | 9.13% | 0.57% |
| Q1 2026 | 13.33% | 13.33% | 14.50% | 9.19% | 0.73% |
| Q2 2026 | 13.65% | 13.65% | 14.86% | 9.22% | 0.74% |
First National Bank of Scotia vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Scotia, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)