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First National Bank of Scotia

Scotia, NY · Cert 11501 · Glenville Bank Holding Co. Inc.

National charter · OCC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

45

Q2 2024Q2 2026peer median (50)

Asset Quality

18

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

27

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Scotia

Scotia, NY · Cert 11501 · Glenville Bank Holding Co. Inc.

National charter · OCC · 10 branches

Q2 2026

$719.0MAssets
$517.0MLoans
$632.0MDeposits
$68.2MEquity
Loan mix
64%RE $328.5M10%C&I $52.8M26%Consumer $130.6MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $450.9M29%Noninterest $181.1MQ2 2025Q2 2026

NIM

4.40%Q2 ’244.54%Q2 ’254.72%Q2 ’26+2%+4%

Non-interest income vs. expense

3.07%Q2 ’243.20%Q2 ’253.29%Q2 ’26+3%+5%

Market Position · Albany-Schenectady-Troy, NY · 2026 SOD (annual) · 2.0% share · #12 of 19 inst. · $0.6B of $31.2B

13.7% Schenectady
0.5% Albany
0.9% Saratoga

Executive Summary

  • Earnings: ROA of 0.74%, down 2 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 1.50% of loans (+12 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 9.22%, up 33 bps from a year ago.
  • Funding: loans stand at 81.81% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.74%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.95%+16 bps YoY

Efficiency Ratio (YTD, annualized)

74.27%-19 bps YoY

Tier 1 Leverage Ratio

9.22%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.77%0.72%0.74%0.74%-2 bps
Return on Equity8.69%8.86%8.14%7.77%7.78%-92 bps
Net Interest Margin3.79%3.83%3.92%3.98%3.95%+16 bps
Efficiency Ratio74.46%72.25%75.67%74.44%74.27%-19 bps
Non-Interest Burden2.69%2.62%2.84%2.83%2.81%+12 bps
Growth
Asset Growth (YoY)5.49%6.11%3.34%2.32%2.57%-292 bps
Loan Growth (YoY)3.32%4.13%3.14%1.55%1.20%-212 bps
Deposit Growth (YoY)1.86%4.47%3.22%2.18%3.31%+145 bps
Asset Quality
Nonperforming Loans / Loans1.38%1.24%1.51%1.45%1.50%+12 bps
Net Charge-Offs / Loans0.17%0.28%0.26%0.19%0.14%-3 bps
Allowance / Loans1.07%1.07%1.07%1.08%1.11%+4 bps
Allowance Coverage of NPLs0.8x0.9x0.7x0.7x0.7x0.0x
Capital
Tier 1 Leverage Ratio8.90%8.94%9.13%9.19%9.22%+33 bps
Total Risk-Based Capital13.96%14.31%14.30%14.50%14.86%+90 bps
Equity / Assets8.75%8.82%9.49%9.46%9.48%+73 bps
Liquidity & Funding
Loans / Deposits83.52%81.09%84.04%82.60%81.81%-171 bps
Liquid Assets / Assets10.09%11.28%8.17%10.19%11.08%+99 bps
CRE / Total Capitaln/a199.74%197.06%201%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank of Scotia

Scotia, NY · Cert 11501 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Glenville Bank Holding Co. Inc.

National charter · OCC · 10 branches

Q2 2026

$719.0MAssets
$517.0MLoans
$632.0MDeposits
$68.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 64% of banks under $1B in assets operating in a single state (rank 270 of 746).
  • Widest gap: nonperforming loans / loans trails 83% of banks under $1B in assets operating in a single state (rank 619 of 743).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.73%

Rank 557 of 746

Net Interest Margin

3.95%

Rank 270 of 746

Efficiency Ratio

74.27%

Rank 545 of 746

Equity / Assets

9.48%

Rank 497 of 746

Non-interest income vs. expense

$3.5M$23.6MINCOMEEXPENSE
Unfavorable gap of $20.1M · efficiency ratio beats 27% of banks under $1B in assets operating in a single state
Bank 74.27%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.73%0.72%1.06%1.45%Beats 25%557 / 746
Return on Equity7.65%6.74%10.51%13.63%Beats 31%512 / 746
Net Interest Margin3.95%3.17%3.68%4.16%Beats 64%270 / 746
Efficiency Ratio74.27%55.74%64.58%75.47%Beats 27%545 / 746
Asset Quality
Nonperforming Loans / Loans1.50%0.09%0.42%1.07%Beats 17%619 / 743
Net Charge-Offs / Loans0.08%0.00%0.01%0.05%Beats 18%613 / 743
Capital
Tier 1 Capital Ratio13.65%11.55%13.75%17.60%Beats 49%380 / 746
Total Risk-Based Capital Ratio14.86%11.71%14.33%18.43%Beats 54%340 / 746
Equity / Assets9.48%8.90%10.51%13.06%Beats 33%497 / 746
Liquidity & Funding
Loans / Deposits81.81%61.31%78.27%90.78%57th pctl319 / 746
Loans / Assets71.91%53.60%66.97%76.08%62nd pctl281 / 746
Brokered Deposits / Depositsn/aNot reported for this institution