Headquartered in Scotia, Nebraska, State Bank of Scotia is a state-chartered bank with $61.0M in total assets and $48.6M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1934.
Based on its Q2 2026 filing, State Bank of Scotia scores 59/100, which we describe as moderate. That is higher than only 18% of 546 banks with under $100 million in assets. Among 139 banks headquartered in Nebraska, it ranks 119th. Its strongest component is capital cushion (100/100; 19.87%), and its lowest is loan quality (0/100; 7.84%).
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
From Q2 2025 to Q2 2026, the score fell 3 points (62 → 59), mostly because the earnings component weakened by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 68 |
| Q4 2024 | 63 |
| Q1 2025 | 65 |
| Q2 2025 | 62 |
| Q3 2025 | 63 |
| Q4 2025 | 60 |
| Q1 2026 | 61 |
| Q2 2026 | 59 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 20.00% |
| Q3 2024 | 20.62% |
| Q4 2024 | 20.51% |
| Q1 2025 | 19.25% |
| Q2 2025 | 19.60% |
| Q3 2025 | 20.44% |
| Q4 2025 | 20.99% |
| Q1 2026 | 20.55% |
| Q2 2026 | 19.87% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 7.75% |
| Q3 2024 | 2.47% |
| Q4 2024 | 2.79% |
| Q1 2025 | 2.95% |
| Q2 2025 | 5.42% |
| Q3 2025 | 4.07% |
| Q4 2025 | 3.84% |
| Q1 2026 | 5.92% |
| Q2 2026 | 7.84% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.97% |
| Q3 2024 | 0.98% |
| Q4 2024 | 0.62% |
| Q1 2025 | 0.95% |
| Q2 2025 | 0.72% |
| Q3 2025 | 0.83% |
| Q4 2025 | 0.44% |
| Q1 2026 | 0.53% |
| Q2 2026 | 0.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $61.0M | 19.87% | 7.84% | 0.40% | 53.7% |
| Q1 2026 | 61 | $61.6M | 20.55% | 5.92% | 0.53% | 55.1% |
| Q4 2025 | 60 | $57.6M | 20.99% | 3.84% | 0.44% | 62.9% |
| Q3 2025 | 63 | $58.5M | 20.44% | 4.07% | 0.83% | 64.1% |
| Q2 2025 | 62 | $62.9M | 19.60% | 5.42% | 0.72% | 58.6% |
| Q1 2025 | 65 | $63.1M | 19.25% | 2.95% | 0.95% | 62.5% |
| Q4 2024 | 63 | $58.0M | 20.51% | 2.79% | 0.62% | 70.4% |
| Q3 2024 | 68 | $60.3M | 20.62% | 2.47% | 0.98% | 71.8% |
| Q2 2024 | 61 | $59.2M | 20.00% | 7.75% | 0.97% | 72.8% |
546 peers · Under $100 million in assets
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 Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cedar Security BankBank Fordyce, NE | 87 out of 100, Very strong | $62.1M | 18.0% | 0.96% | vs |
| Bank of ClarksBank Clarks, NE | 37 out of 100, Low | $58.5M | 9.8% | 3.20% | vs |
| Generations BankBank Exeter, NE | 54 out of 100, Below average | $58.3M | 10.6% | 1.90% | vs |
| Stanton State BankBank Stanton, NE | 74 out of 100, Strong | $64.8M | 9.7% | 0.24% | vs |
| Commercial BankBank Nelson, NE | 56 out of 100, Moderate | $56.5M | 15.2% | 3.06% | vs |
| Sidney Federal Savings and Loan AssociationBank Sidney, NE | 73 out of 100, Strong | $55.6M | 14.2% | 2.00% | vs |
Deposit insurance
Is my money safe at State Bank of Scotia?
Yes. State Bank of Scotia is an FDIC-insured institution (FDIC certificate #14069). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.2% of deposits ($6.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 19.87%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 35.56% (benchmark: 10%).
1 location
Branches
State Bank of Scotia lists 1 office in 1 city. Most locations:
- Scotia, NE (1)
Identity & history
Profile
- Legal name
- State Bank of Scotia
- Type
- State-chartered bank
- FDIC certificate #
- 14069
- RSSD ID
- 926650
- Primary regulator
- FDIC
- Established
- January 1, 1934
- Headquarters
- 104 S Main St, Scotia, NE 68875
- Website
- statebankofscotia.bank
- Employees
- 6
Quick answers
State Bank of Scotia: common questions
Is State Bank of Scotia FDIC insured?
Yes. State Bank of Scotia is an FDIC-insured institution (FDIC certificate #14069). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Bank of Scotia's TellerScore?
59 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 State Bank of Scotia ever failed?
There is no failure record for FDIC certificate #14069 in the FDIC failed bank list.
How many branches does State Bank of Scotia have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Scotia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Homestead BankBank Cozad, NE | 91 out of 100, Very strong | $537.0M | 18.6% | 0.20% | vs |
| First National Bank in OrdBank Ord, NE | 88 out of 100, Very strong | $165.6M | 11.4% | 0.00% | vs |
| Heritage BankBank Wood River, NE | 86 out of 100, Very strong | $611.6M | 23.0% | 1.18% | vs |
| BankFirstBank Norfolk, NE | 85 out of 100, Very strong | $1.2B | 15.3% | 0.84% | vs |
| Henderson State BankBank Henderson, NE | 72 out of 100, Strong | $678.5M | 10.4% | 0.27% | vs |
| Citizens State BankBank Wisner, NE | 72 out of 100, Strong | $653.0M | 10.1% | 0.20% | vs |