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
Unfavorable gap of $20.1M · efficiency ratio beats 27% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.73% | 0.72% | 1.06% | 1.45% | Beats 25% | 557 / 746 | | |
| Return on Equity | 7.65% | 6.74% | 10.51% | 13.63% | Beats 31% | 512 / 746 | | |
| Net Interest Margin | 3.95% | 3.17% | 3.68% | 4.16% | Beats 64% | 270 / 746 | | |
| Efficiency Ratio | 74.27% | 55.74% | 64.58% | 75.47% | Beats 27% | 545 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.50% | 0.09% | 0.42% | 1.07% | Beats 17% | 619 / 743 | | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.01% | 0.05% | Beats 18% | 613 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.65% | 11.55% | 13.75% | 17.60% | Beats 49% | 380 / 746 | | |
| Total Risk-Based Capital Ratio | 14.86% | 11.71% | 14.33% | 18.43% | Beats 54% | 340 / 746 | | |
| Equity / Assets | 9.48% | 8.90% | 10.51% | 13.06% | Beats 33% | 497 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.81% | 61.31% | 78.27% | 90.78% | 57th pctl | 319 / 746 | | |
| Loans / Assets | 71.91% | 53.60% | 66.97% | 76.08% | 62nd pctl | 281 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |