State 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 10.08 percentage points lower than in Q1 2026, at 36.50%. On return on assets, State Bank of Scotia is 3rd from the bottom among 138 Nebraska banks, 0.27% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, State Bank of Scotia reported 0.27% on return on assets in Q2 2026, 0.71 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 34.30% |
| Tier 1 risk-based capital ratio | 34.30% |
| Total risk-based capital ratio | 35.56% |
| Tier 1 leverage ratio | 19.87% |
| Equity capital to assets | 19.98% |
| Tangible equity to tangible assets | 19.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 7.81% |
| Non-performing assets ratio | 3.44% |
| Net charge-off ratio | 0.31% |
| Texas ratio | 16.26% |
| Allowance for credit losses to loans | 2.85% |
| Reserve coverage of non-performing loans | 36.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.27% |
| Return on equity | 1.34% |
| Net interest margin | 2.28% |
| Efficiency ratio | 71.99% |
| Yield on earning assets | 4.23% |
| Cost of funds | 2.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.27% |
| Core deposits to total deposits | 96.31% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.69% |
| Securities to assets | 25.13% |
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 | 27.85% | 27.85% | 29.12% | 20.24% | 0.71% |
| Q4 2023 | 27.69% | 27.69% | 28.97% | 19.50% | 0.02% |
| Q1 2024 | 28.67% | 28.67% | 29.95% | 19.33% | 0.67% |
| Q2 2024 | 29.01% | 29.01% | 30.29% | 20.00% | 1.27% |
| Q3 2024 | 29.48% | 29.48% | 30.75% | 20.62% | 1.00% |
| Q4 2024 | 30.06% | 30.06% | 31.32% | 20.51% | -0.49% |
| Q1 2025 | 30.04% | 30.04% | 31.31% | 19.25% | 0.90% |
| Q2 2025 | 31.41% | 31.41% | 32.67% | 19.60% | 0.49% |
| Q3 2025 | 32.79% | 32.79% | 34.05% | 20.44% | 1.04% |
| Q4 2025 | 32.91% | 32.91% | 34.17% | 20.99% | -0.77% |
| Q1 2026 | 33.57% | 33.57% | 34.83% | 20.55% | 0.53% |
| Q2 2026 | 34.30% | 34.30% | 35.56% | 19.87% | 0.27% |
State Bank of Scotia vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State 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 State Bank of Scotia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14069) · FFIEC NIC profile (RSSD 926650)