First National Bank of Scotia is a national bank headquartered in Scotia, New York, in business for about 103 years. At the end of Q2 2026 it reported $719.0M in total assets and $632.0M in deposits, with 10 offices.
Based on its Q2 2026 filing, First National Bank of Scotia scores 55/100, which we describe as moderate. That is higher than only 11% of 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 88th. Its strongest component is problem-loan coverage (79/100; 10.5%), and its lowest is capital cushion (42/100; 9.22%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (55 → 55).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 54 |
| Q4 2024 | 54 |
| Q1 2025 | 54 |
| Q2 2025 | 55 |
| Q3 2025 | 56 |
| Q4 2025 | 54 |
| Q1 2026 | 55 |
| Q2 2026 | 55 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.73% |
| Q3 2024 | 8.82% |
| Q4 2024 | 8.90% |
| Q1 2025 | 8.91% |
| Q2 2025 | 8.90% |
| Q3 2025 | 8.94% |
| Q4 2025 | 9.13% |
| Q1 2026 | 9.19% |
| Q2 2026 | 9.22% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.44% |
| Q3 2024 | 1.45% |
| Q4 2024 | 1.48% |
| Q1 2025 | 1.37% |
| Q2 2025 | 1.38% |
| Q3 2025 | 1.24% |
| Q4 2025 | 1.51% |
| Q1 2026 | 1.45% |
| Q2 2026 | 1.50% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 0.77% |
| Q4 2024 | 0.77% |
| Q1 2025 | 0.64% |
| Q2 2025 | 0.76% |
| Q3 2025 | 0.77% |
| Q4 2025 | 0.72% |
| Q1 2026 | 0.74% |
| Q2 2026 | 0.74% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $719.0M | 9.22% | 1.50% | 0.74% | 80.9% |
| Q1 2026 | 55 | $706.5M | 9.19% | 1.45% | 0.74% | 81.7% |
| Q4 2025 | 54 | $698.5M | 9.13% | 1.51% | 0.72% | 83.1% |
| Q3 2025 | 56 | $722.4M | 8.94% | 1.24% | 0.77% | 80.2% |
| Q2 2025 | 55 | $701.1M | 8.90% | 1.38% | 0.76% | 82.6% |
| Q1 2025 | 54 | $690.5M | 8.91% | 1.37% | 0.64% | 82.2% |
| Q4 2024 | 54 | $675.9M | 8.90% | 1.48% | 0.77% | 83.2% |
| Q3 2024 | 54 | $680.8M | 8.82% | 1.45% | 0.77% | 80.4% |
| Q2 2024 | 53 | $664.6M | 8.73% | 1.44% | 0.74% | 81.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lake Shore BankBank Dunkirk, NY | 86 out of 100, Very strong | $735.9M | 17.4% | 0.25% | vs |
| Jeff Bank, National AssociationBank Jeffersonville, NY | 95 out of 100, Very strong | $686.2M | 14.9% | 0.37% | vs |
| Geddes Federal Savings and Loan AssociationBank Syracuse, NY | 74 out of 100, Strong | $685.7M | 14.7% | 0.44% | vs |
| Carver Federal Savings BankBank New York, NY | 23 out of 100, Low | $658.1M | 8.7% | 3.46% | vs |
| Quontic BankBank Astoria, NY | 37 out of 100, Low | $787.0M | 9.7% | 3.53% | vs |
| Modern Bank, National AssociationBank New York, NY | 30 out of 100, Low | $648.5M | 9.6% | 5.60% | vs |
Deposit insurance
Is my money safe at First National Bank of Scotia?
Yes. First National Bank of Scotia is an FDIC-insured institution (FDIC certificate #11501). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.4% of deposits ($103.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.22%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.86% (benchmark: 10%).
10 locations
Branches
First National Bank of Scotia lists 10 offices in 8 cities. Most locations:
- Schenectady, NY (3)
- Clifton Park, NY (1)
- Colonie, NY (1)
- Glenville, NY (1)
- Guilderland, NY (1)
- Niskayuna, NY (1)
- Saratoga Springs, NY (1)
- Scotia, NY (1)
HMDA 2025
Mortgage lending
In 2025, First National Bank of Scotia reported 177 home-loan applications under HMDA (LEI 549300S5FSS555M0NA74): 136 originated ($38,290,000 total), 22 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- First National Bank of Scotia
- Former names
- Glenville Bank; Glenville National Bank of Scotia
- Type
- National bank
- FDIC certificate #
- 11501
- RSSD ID
- 472616
- Primary regulator
- OCC
- Holding company
- Glenville Bank Holding Co Inc
- Established
- January 1, 1923
- Headquarters
- 201 Mohawk Ave, Scotia, NY 12302
- Website
- www.firstscotia.com
- Employees
- 143
Quick answers
First National Bank of Scotia: common questions
Is First National Bank of Scotia FDIC insured?
Yes. First National Bank of Scotia is an FDIC-insured institution (FDIC certificate #11501). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First National Bank of Scotia's TellerScore?
55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First National Bank of Scotia ever failed?
There is no failure record for FDIC certificate #11501 in the FDIC failed bank list.
How many branches does First National Bank of Scotia have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Scotia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Stratton Air National Guard Federal Credit UnionCredit union Scotia, NY | 94 out of 100, Very strong | $920K | 39.3% | 0.00% | vs |
| M. C. T. Federal Credit UnionCredit union Amsterdam, NY | 94 out of 100, Very strong | $73.3M | 14.4% | 0.41% | vs |
| Troy Federal Credit UnionCredit union Troy, NY | 80 out of 100, Strong | $3.7M | 15.8% | 0.33% | vs |
| Bank of GreeneBank Catskill, NY | 77 out of 100, Strong | $3.2B | 9.9% | 0.23% | vs |
| Hudson River Community Federal Credit UnionCredit union Corinth, NY | 77 out of 100, Strong | $364.2M | 15.3% | 1.17% | vs |
| Bank of RichmondvilleBank Cobleskill, NY | 77 out of 100, Strong | $185.9M | 11.5% | 0.18% | vs |