State Bank of Scotia
Scotia, NE · Cert 14069 · Peer group: banks under $1B in assets in NE (n=83)
State charter, non-member · FDIC · 1 branch
Q2 2026
$61.0MAssets
$26.9MLoans
$48.6MDeposits
$12.2MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 98% of banks under $1B in assets in NE (rank 2 of 83).
- Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets in NE (rank 83 of 83).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.39%
Rank 80 of 83
Net Interest Margin
2.31%
Rank 81 of 83
Efficiency Ratio
69.33%
Rank 65 of 83
Equity / Assets
19.98%
Rank 5 of 83
Non-interest income vs. expense
Unfavorable gap of $1.0M · efficiency ratio beats 23% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.39% | 0.93% | 1.20% | 1.51% | Beats 4% | 80 / 83 | | |
| Return on Equity | 1.97% | 8.04% | 10.34% | 13.11% | Beats 2% | 81 / 83 | | |
| Net Interest Margin | 2.31% | 3.25% | 3.62% | 4.02% | Beats 2% | 81 / 83 | | |
| Efficiency Ratio | 69.33% | 51.13% | 59.95% | 67.19% | Beats 23% | 65 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 7.84% | 0.00% | 0.19% | 0.96% | Beats 1% | 83 / 83 | | |
| Net Charge-Offs / Loans | 0.11% | n/a | 0.00% | 0.02% | Beats 10% | 76 / 83 | | |
| Capital |
| Tier 1 Capital Ratio | 34.30% | 10.94% | 13.24% | 16.62% | Beats 96% | 3 / 83 | | |
| Total Risk-Based Capital Ratio | 35.56% | 11.04% | 13.54% | 17.63% | Beats 98% | 2 / 83 | | |
| Equity / Assets | 19.98% | 9.90% | 11.31% | 13.84% | Beats 94% | 5 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 55.27% | 71.97% | 83.15% | 92.22% | 10th pctl | 75 / 83 | | |
| Loans / Assets | 44.04% | 57.96% | 69.15% | 77.64% | 8th pctl | 76 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |