Total Assets
$58M
Total balance-sheet footings
FDIC Cert #14069 · Scotia, Nebraska · Est. 1934
State Bank of Scotia - FDIC Bank Health Profile
A community-scale look at State Bank of Scotia's own numbers, pulled straight from its quarterly FDIC Call Report.
- $58M
- Total assets
- B
- Health grade · Good
- 0.45%
- Return on assets
- 32.9%
- Tier 1 capital
Data updated July 2026
The verdict
State Bank of Scotia earns a PlainBankData health grade of B (71/100), with well-capitalized at 32.92% Tier 1, 0.45% ROA, 69% efficiency ratio.
- #4,070
- largest of 4,313 FDIC banks by assets
- 6th
- percentile by asset size, nationally
- 32.92%
- Tier 1 ratio - above the 10% well-capitalized line
- 14th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How State Bank of Scotia's 71/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
State Bank of Scotia's composite health score
Tier 1 Capital Ratio (32.92%) 40/40
Return on Assets (ROA) (0.45%) 7/25
Texas Ratio (8.66%) 16/20
Efficiency Ratio (69.28%) 8/15
71 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$45M
Customer-funded liabilities
Net Loans
$28M
Outstanding loan book
Net Income
$269K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where State Bank of Scotia ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. State Bank of Scotia's score of 71/100 falls in the highlighted band.
State 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). State Bank of Scotia's $58M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
32.92% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
32.92%
Texas Ratio
8.66%
Equity Capital
$12M
Profitability metrics
Return on Assets (ROA)
14th percentile nationally
0.45%
Return on Equity (ROE)
2.20%
Efficiency Ratio
69.28%
What the numbers say about State Bank of Scotia
State Bank of Scotia is an FDIC-insured institution (Certificate #14069) headquartered in Scotia, Nebraska, established in 1934. It holds $58M in total assets - 4,070th of 4,313 FDIC-insured banks, $45M in customer deposits, and $28M in net loans. Its capital position: a Tier 1 ratio of 32.92%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 8.66% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (71 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
State Bank of Scotia is a community-scale institution -- 129th of 142 FDIC-insured banks headquartered in Nebraska by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$3M
Interest Income
$109K
Non-Interest Income
$1M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. State Bank of Scotia reports a Texas Ratio of 8.66% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
8.66% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Nebraska by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) State Bank of Scotia (FDIC Cert #14069) - 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 Nebraska
All Nebraska banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of OmahaOmaha | $34.6B | A | 1.51% |
| Union Bank and Trust CompanyLincoln | $9.1B | A | 1.60% |
| Pinnacle BankLincoln | $8.9B | A | 1.26% |
| American National BankOmaha | $5.2B | A | 1.32% |
| Cornerstone BankYork | $2.8B | B | 1.11% |
| Security First BankLincoln | $2.2B | B | 0.90% |
| Five Points BankGrand Island | $2.1B | A | 1.47% |
| Security National Bank of OmahaOmaha | $1.7B | A | 1.28% |
Frequently asked questions
What is State Bank of Scotia's health grade?▼
State Bank of Scotia receives a health grade of B (71/100) 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 State Bank of Scotia?▼
State Bank of Scotia holds $58M in total assets and $45M in deposits, ranking 4,070th of 4,313 FDIC-insured banks by asset size. It is headquartered in Scotia, Nebraska.
Is my money safe at State Bank of Scotia?▼
Yes, deposits at State Bank of Scotia (Certificate #14069) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is State Bank of Scotia's Tier 1 Capital Ratio?▼
State Bank of Scotia has a Tier 1 Capital Ratio of 32.92%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for State Bank of Scotia?▼
State Bank of Scotia has a Texas Ratio of 8.66%. 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 State Bank of Scotia?▼
State Bank of Scotia has an Efficiency Ratio of 69.28%. 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 State Bank of Scotia's profile as a depositor or analyst.
- State Bank of Scotia's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare State Bank of Scotia against other Nebraska banks before moving funds. Nebraska 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.