Total Assets
$699M
Total balance-sheet footings
FDIC Cert #11501 · Scotia, New York · Est. 1923
First National Bank of Scotia - FDIC Bank Health Profile
A community-scale look at First National Bank of Scotia's own numbers, pulled straight from its quarterly FDIC Call Report.
- $699M
- Total assets
- B
- Health grade · Good
- 0.72%
- Return on assets
- 13.1%
- Tier 1 capital
Data updated July 2026
The verdict
First National Bank of Scotia earns a PlainBankData health grade of B (69/100), with well-capitalized at 13.14% Tier 1, 0.72% ROA, 76% efficiency ratio.
- #1,386
- largest of 4,313 FDIC banks by assets
- 68th
- percentile by asset size, nationally
- 13.14%
- Tier 1 ratio - above the 10% well-capitalized line
- 26th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First National Bank of Scotia's 69/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First National Bank of Scotia's composite health score
Tier 1 Capital Ratio (13.14%) 35/40
Return on Assets (ROA) (0.72%) 14/25
Texas Ratio (10.85%) 16/20
Efficiency Ratio (75.67%) 4/15
69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$614M
Customer-funded liabilities
Net Loans
$510M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First National Bank of Scotia ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank of Scotia's score of 69/100 falls in the highlighted band.
First National Bank of Scotia's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First National Bank of Scotia's $699M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.14%
Texas Ratio
10.85%
Equity Capital
$66M
Profitability metrics
Return on Assets (ROA)
26th percentile nationally
0.72%
Return on Equity (ROE)
8.14%
Efficiency Ratio
75.67%
What the numbers say about First National Bank of Scotia
First National Bank of Scotia is an FDIC-insured institution (Certificate #11501) headquartered in Scotia, New York, established in 1923. It holds $699M in total assets - 1,386th of 4,313 FDIC-insured banks, $614M in customer deposits, and $510M in net loans. Its capital position: a Tier 1 ratio of 13.14%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 10.85% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (69 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First National Bank of Scotia sits 67th of 120 banks headquartered in New York by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$33M
Interest Income
$4M
Non-Interest Income
$24M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank of Scotia reports a Texas Ratio of 10.85% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.85% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank of Scotia (FDIC Cert #11501) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
Frequently asked questions
What is First National Bank of Scotia's health grade?▼
First National Bank of Scotia receives a health grade of B (69/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First National Bank of Scotia?▼
First National Bank of Scotia holds $699M in total assets and $614M in deposits, ranking 1,386th of 4,313 FDIC-insured banks by asset size. It is headquartered in Scotia, New York.
Is my money safe at First National Bank of Scotia?▼
Yes, deposits at First National Bank of Scotia (Certificate #11501) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First National Bank of Scotia's Tier 1 Capital Ratio?▼
First National Bank of Scotia has a Tier 1 Capital Ratio of 13.14%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First National Bank of Scotia?▼
First National Bank of Scotia has a Texas Ratio of 10.85%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First National Bank of Scotia?▼
First National Bank of Scotia has an Efficiency Ratio of 75.67%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank of Scotia's profile as a depositor or analyst.
- First National Bank of Scotia's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First National Bank of Scotia against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.