PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

State Bank of Scotia

Scotia, NE · Cert 14069

State charter, non-member · FDIC · 1 branch

Q2 2026

$61.0MAssets
$26.9MLoans
$48.6MDeposits
$12.2MEquity
Loan mix
86%RE $14.3M8%C&I $1.4M6%Consumer $1.0MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $40.4M17%Noninterest $8.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.40%, down 32 bps year over year; NIM at 2.31%.
  • Asset quality: problem loans at 7.84% of loans (+242 bps YoY), with net charge-offs at 0.22%.
  • Capital: tier 1 leverage ratio of 19.87%, up 27 bps from a year ago.
  • Funding: loans stand at 55.27% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.40%-32 bps YoY

Net Interest Margin (YTD, annualized)

2.31%-19 bps YoY

Efficiency Ratio (YTD, annualized)

69.33%+1,052 bps YoY

Tier 1 Leverage Ratio

19.87%+27 bps YoY

NIM

5.08%Q2 ’244.56%Q2 ’254.26%Q2 ’26-18%-8%

Non-interest income vs. expense

1.70%Q2 ’241.58%Q2 ’251.70%Q2 ’26-8%+12%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%0.62%0.95%0.72%0.83%0.44%0.53%0.40%-32 bps
Return on Equity4.92%3.10%4.72%3.62%4.12%2.18%2.59%1.97%-165 bps
Net Interest Margin3.10%3.09%2.73%2.49%2.71%2.79%2.44%2.31%-19 bps
Efficiency Ratio51.53%66.09%53.00%58.81%58.09%69.36%66.58%69.33%+1,052 bps
Non-Interest Burden1.51%1.98%1.36%1.39%1.49%1.88%1.58%1.56%+17 bps
Growth
Asset Growth (YoY)-1.23%-6.20%-0.28%6.37%-3.02%-0.65%-2.34%-3.11%-948 bps
Loan Growth (YoY)-5.81%-9.13%-8.13%-13.07%-14.11%-11.89%-14.47%-11.93%+114 bps
Deposit Growth (YoY)-2.15%-8.16%-0.93%7.74%-3.91%-1.11%-2.91%-3.61%-1,135 bps
Asset Quality
Nonperforming Loans / Loans2.47%2.79%2.95%5.42%4.07%3.84%5.92%7.84%+242 bps
Net Charge-Offs / Loans1.17%0.89%0.01%0.01%1.27%1.22%0.13%0.22%+21 bps
Allowance / Loans2.24%2.58%2.77%3.11%2.37%2.40%2.65%2.85%-26 bps
Allowance Coverage of NPLs0.9x0.9x0.9x0.6x0.6x0.6x0.4x0.4x-0.2x
Capital
Tier 1 Leverage Ratio20.62%20.51%19.25%19.60%20.44%20.99%20.55%19.87%+27 bps
Total Risk-Based Capital30.75%31.72%31.71%33.09%34.49%34.17%34.83%35.56%+247 bps
Equity / Assets20.42%20.93%19.45%19.45%21.20%21.14%19.88%19.98%+53 bps
Liquidity & Funding
Loans / Deposits73.43%72.29%64.26%60.49%65.64%64.41%56.61%55.27%-522 bps
Liquid Assets / Assets39.58%41.33%47.46%51.10%47.24%47.97%53.73%55.34%+424 bps
CRE / Total Capitaln/an/an/an/a13.95%13.87%13.03%n/an/a