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First National Bank Of Scotia
Scotia, NY · FDIC Certificate #11501 · Chartered 01/0
Total assets
$719.05M
Total deposits
$632.00M
Total equity
$68.17M
Net loans
$511.30M
Branches (offices)
10
Net income (YTD)
$2.61M
Rank: #1,354 of 4,213 U.S. banks by assets · #64 of 115 in New York. Assets changed 2.6% and deposits 3.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.74% |
| Return on equity | 7.78% |
| Net interest margin (YTD) | 4.34% |
| Equity to assets | 9.48% |
| Tier 1 leverage ratio | 9.22% |
| Uninsured deposits (share of deposits) | 16.4% |
| Noncurrent loans (share of loans) | 1.50% |
| Net charge-offs (share of loans) | 0.14% |
| Loans to deposits | 80.9% |
| Real estate loans (share of loans) | 65.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $337.15M | 65.9% | |
| Commercial & industrial | $51.14M | 10.0% | |
| Consumer / individual | $128.03M | 25.0% | |
| Construction & development | $3.69M | 0.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $678.33M | $624.67M | $1.75M | $43.52M |
| Jun 2023 | $659.97M | $583.45M | $2.37M | $46.85M |
| Jun 2024 | $664.57M | $600.54M | $2.43M | $52.99M |
| Jun 2025 | $701.05M | $611.72M | $2.60M | $61.37M |
| Jun 2026 | $719.05M | $632.00M | $2.61M | $68.17M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $632.00M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $632.00M.
Similar-sized banks
The Bank Of Elk River ($719.07M) · Artisans' Bank ($718.23M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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