State Bank of Scotia: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of Scotia of Scotia, NE against its peer group of 506 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 | 0.27% | 3.13% | -2.86% | 19th bottom |
| ROAE | 1.34% | 10.32% | -8.98% | 18th bottom |
| Net Interest Margin | 2.28% | 3.94% | -1.66% | 5th bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 71.99% | 76.32% | -4.33% | 46th below |
| PPNR / Avg Assets | 0.66% | 1.40% | -0.74% | 26th below |
| Yield on Earning Assets | 4.23% | 5.36% | -1.13% | 16th bottom |
| Cost of Funds | 2.72% | 1.70% | +1.02% | 12th bottom |
| Net Interest Spread | 1.31% | 3.33% | -2.02% | 3rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 7.81% | 1.32% | +6.49% | 3rd bottom |
| NPA / Total Assets | 3.44% | 0.71% | +2.73% | 4th bottom |
| NCO / Avg Loans | 0.31% | 0.10% | +0.21% | 8th bottom |
| ACL / Total Loans | 2.85% | 1.49% | +1.36% | 92nd top |
| ACL / NPLs (Coverage) | 36.50% | 867.24% | -830.74% | 11th bottom |
| Texas Ratio | 16.26% | 8.25% | +8.01% | 11th bottom |
| Provision / NCO | 333.33% | 289.79% | +43.54% | 88th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 34.30% | 62.27% | -27.97% | 70th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 34.30% | 62.27% | -27.97% | 70th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 35.56% | 63.24% | -27.68% | 71st above |
| Leverage Ratio | 19.87% | 17.64% | +2.23% | 80th top |
| Equity / Assets | 19.98% | 16.44% | +3.54% | 80th top |
| TCE / Tangible Assets | 19.98% | 16.19% | +3.79% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 55.27% | 72.86% | -17.59% | 66th above |
| Core Deposit Ratio | 96.31% | 88.26% | +8.05% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.11% | 4.27% | -7.38% | 18th bottom |
| Loan Growth (Y/Y) | -11.93% | 6.78% | -18.71% | 7th bottom |
| Deposit Growth (Y/Y) | -3.61% | 3.74% | -7.35% | 18th bottom |
See State Bank of Scotia's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State 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 State Bank of Scotia profile, how to read a UBPR, or how this data updates.