State Bank of Scotia
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Data as of · sourced from FFIEC call reports. How we update
State Bank of Scotia is an FDIC-insured commercial bank headquartered in Scotia, NE, established in 1934 (FDIC certificate 14069), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $61.0M, down 3.1% from Q2 2025, the 124th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 34.30% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14069
- Headquarters
- Scotia, NE
- Established
- 1934
- Total assets, Q2 2026
- $61.0M
- Assets vs Q2 2025
- -3.1%
- CET1 ratio, Q2 2026
- 34.30%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 104113262
- Latest call report
- Q2 2026, FFIEC 051 · State Bank of Scotia call report
- Asset rank in state
- 124th of 138 in Nebraska
Problem loans are rising at State Bank of Scotia. Its balance sheet stood at $61 million at June 30, 2026, down 3.1% from a year earlier; it is based in Scotia, Nebraska. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 7.84% of loans from 5.42% a year earlier. It keeps 2.28 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). It also carries problem assets equal to 16.3% of the capital and reserves that would absorb them, 11.8 times the median of 1.4% for banks its size.
Earnings fell sharply: quarterly net income of $41,000 was 47% below a year earlier. Over the same year, loans shrank 11.9% and deposits shrank 3.6%. Funding is the softer spot: it pays an average of 2.72% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
As of June 30, 2026, State Bank of Scotia reported a CET1 capital ratio of 34.30%, a return on assets of 0.27%, a nonperforming-loan ratio of 7.84% and a Texas ratio of 16.26%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, State Bank of Scotia is the 124th largest of the 138 banks headquartered in Nebraska. From Q1 2026 to Q2 2026, its total assets fell 1.0% to $61.0M, loans fell 3.4% and deposits fell 1.1%. Its loan book on June 30, 2026 was led by agricultural production loans, at 38.8% of total loans, followed by farmland and other real estate loans at 36.4%. Its one office in the FDIC Summary of Deposits is in Scotia, NE. On its Q2 2026 call report, State Bank of Scotia meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 104 S Main St, Scotia, NE 68875
- County
- Greeley
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $48.6M
- Allowance for credit losses
- $765K
- Net charge-offs (YTD)
- $30K
- Average total assets
- $61.3M
- Average total loans
- $27.0M
- Average interest-bearing deposits
- $35.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 1, 1934
- FDIC Cert
- 14069
- Fed RSSD
- 926650
- Website
- StateBankofScotia.Bank →
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
From Q3 2023 to Q2 2026, State Bank of Scotia's total assets ranged from $57.6M (Q4 2025) to $63.3M (Q1 2024), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$61.0M total assets against $62.9M; $48.8M total liabilities against $50.7M.
$26.1M net loans and leases against $29.5M; $48.6M total deposits against $50.4M.
$15.3M securities against $16.5M; $18.6M cash and balances due against $15.9M.
$639K total interest income against $675K; $296K total interest expense against $331K.
$343K net interest income against $344K.
$21K total noninterest income against $30K; $263K total noninterest expense against $247K.
$50K provision for credit losses against $50K.
$41K net income against $77K.
0.27% return on assets against 0.49%; 2.28% net interest margin against 2.24%.
34.30% CET1 capital ratio against 31.41%; 19.87% tier 1 leverage ratio against 19.60%.
Inside the full State Bank of Scotia terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
State Bank of Scotia rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.77% (Q4 2025) to 1.04% (Q3 2025) and its net interest margin ran from 2.24% (Q2 2025) to 3.20% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 34.30% | 0.27% | 7.84% | 16.26% | 2.28% |
| Q1 2026 | 33.57% | 0.53% | 5.92% | 12.68% | 2.53% |
| Q4 2025 | 32.91% | -0.77% | 3.84% | 8.96% | 2.82% |
| Q3 2025 | 32.79% | 1.04% | 4.07% | 9.34% | 3.04% |
| Q2 2025 | 31.41% | 0.49% | 5.42% | 12.53% | 2.24% |
| Q1 2025 | 30.04% | 0.90% | 2.95% | 7.27% | 2.80% |
| Q4 2024 | 30.06% | -0.49% | 2.79% | 7.09% | 3.15% |
| Q3 2024 | 29.48% | 1.00% | 2.47% | 7.62% | 3.20% |
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Branch Network
View the branch → 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 |
|---|---|---|---|
| State Bank of Scotia (main office) | Scotia , NE | 68875 | $48.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 140 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 State Bank of Scotia
What are State Bank of Scotia's total assets?
As of the Q2 2026 filing, State Bank of Scotia reported total assets of $61.0 million in its FFIEC call report.
Where is State Bank of Scotia headquartered?
It is headquartered in Scotia, NE, United States.
When was State Bank of Scotia founded?
It was established in 1934, per the FDIC institution directory.
Is State Bank of Scotia FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14069). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank of Scotia?
State Bank of Scotia's primary federal regulator is the FDIC.
What is State Bank of Scotia's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 34.30% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does State Bank of Scotia operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is State Bank of Scotia's Texas Ratio?
Its Texas Ratio is 16.26% 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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