BlastPoint's Banking Scorecard

First National Bank of Scotia

$100M-$1B Specialty: Commercial NY FDIC cert 11501

Scotia, NY

10 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
Deposits +3.3% year over year ($632.0M on the books).
Delinquency rate 1.51%.
Return on assets 0.74%.
Efficiency ratio 74.27% vs a 64.48% peer average.
Loan-to-deposit ratio 80.90% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY

View $100M-$1B leaderboard (NY) →

First National Bank of Scotia has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.35% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 1.5% in tier
- ROA 0.59% below tier average
- Efficiency Ratio 9.79% above tier average

Get updates when First National Bank of Scotia releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$719.0M +2.6% YoY +1.8% QoQ	+$332.5M	$386.6M +1.2% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	Top 11.8% in tier
Total Loans ?	$511.3M +1.2% YoY +0.8% QoQ	+$252.9M	$258.3M +1.7% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	Top 10.5% in tier
Total Deposits ?	$632.0M +3.3% YoY +1.8% QoQ	+$305.3M	$326.7M +0.7% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	Top 10.4% in tier
Return on Assets ?	0.74% -2.4% YoY +0.2% QoQ	-0.59%	1.32% +10.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	20%
Net Interest Margin ?	4.34% +3.9% YoY +0.2% QoQ	+0.35%	3.99% +5.0% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	72%
Efficiency Ratio ?	74.27% -0.3% YoY -0.2% QoQ	+9.79%	64.48% -3.2% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	22%
Delinquency Rate ?	1.51% +8.4% YoY +3.0% QoQ	+0.59%	0.92% +15.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	18%
Loan-to-Deposit Ratio ?	80.90% -2.1% YoY -1.0% QoQ	+2.95%	77.95% +1.0% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	47%
Non-Interest-Bearing Deposit Share ?	28.65% -5.5% YoY +0.7% QoQ	+6.62%	22.03% -0.6% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	78%
Nonperforming Asset Ratio ?	1.08% +6.9% YoY +2.1% QoQ	+0.41%	0.67% +16.4% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	19%
Tier 1 Capital Ratio ?	13.65% +6.6% YoY +2.4% QoQ	-2.26%	15.91% +1.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	55%
Non-Interest Income / Assets ?	0.24% -6.4% YoY +88.7% QoQ	-0.33%	0.57% +7.6% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	61%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Noninterest-Bearing	28.6% -1.7pp YoY +0.2pp QoQ	+6.5pp	22.1%	22.1%	22.2%	78%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	10.0% -0.4pp YoY -0.4pp QoQ	-1.6pp	11.6%	11.0%	12.5%	53%
CRE	25.7% +1.4pp YoY +0.1pp QoQ	-13.8pp	39.5%	46.2%	41.4%	28%
1-4 Family	40.1% +3.8pp YoY +1.1pp QoQ	+7.5pp	32.6%	36.6%	31.3%	70%
Consumer	25.0% -4.8pp YoY -0.7pp QoQ	+20.9pp	4.1%	5.1%	5.0%	99%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	13.7% +0.8pp YoY +0.3pp QoQ	-5.2pp	18.8%	26.1%	19.7%	35%
Leverage Ratio	9.2% +0.3pp YoY 0.0pp QoQ	-2.9pp	12.2%	13.9%	12.6%	16%
Total Capital Ratio	14.9% +0.9pp YoY +0.4pp QoQ	-5.1pp	19.9%	27.2%	20.8%	36%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	143 -1 (-0.7%) YoY -1 (-0.7%) QoQ	+84	58	914	482	97%
Assets per Employee ($)	$5.0M +3.3% YoY +2.5% QoQ	-$2.5M	$7.5M	$14.8M	$8.8M	15%
Branch Count	10 0 YoY 0 QoQ	+5	4	27	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.4%	59%
Nonaccrual	1.4% +0.1pp YoY 0.0pp QoQ	+0.4pp	0.9%	1.3%	1.0%	80%
Allowance Coverage	0.74x -4.4% YoY -0.3% QoQ	-23.41x	24.15x	1.92x	20.23x	19%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY -0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	81%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	7.8% -0.9pp YoY 0.0pp QoQ	-4.4pp	12.2%	7.9%	11.6%	24%
Cost of Funds (YTD)	0.8% 0.0pp YoY 0.0pp QoQ	-0.9pp	1.7%	1.8%	1.7%	6%
Net Income ($, YTD)	$2.6M +0.3% YoY — QoQ	+$54K	$2.6M	$111.2M	$40.4M	64%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk

#15 of 936 • Bottom 1.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

276

Total Deposits

size

Value: $632.00M

Peer Median: $326.73M

#276 of 2643 Top 10.4% in $100M-$1B

278

Total Loans

size

Value: $511.30M

Peer Median: $258.35M

#278 of 2643 Top 10.5% in $100M-$1B

313

Total Assets

size

Value: $719.05M

Peer Median: $386.57M

#313 of 2643 Top 11.8% in $100M-$1B

579

Non-Interest-Bearing Deposit Share

funding

Value: 28.65%

Peer Median: 22.03%

#579 of 2643 Top 21.9% in $100M-$1B

Top Weaknesses (4 metrics)

2149

Delinquency Rate

credit_quality

Value: 1.51%

Peer Median: 0.92%

#2149 of 2633 Bottom 18.4% in $100M-$1B

2152

Nonperforming Asset Ratio

credit_quality

Value: 1.08%

Peer Median: 0.67%

#2152 of 2643 Bottom 18.6% in $100M-$1B

2106

Return on Assets

profitability

Value: 0.74%

Peer Median: 1.32%

#2106 of 2643 Bottom 20.4% in $100M-$1B

2073

Efficiency Ratio

profitability

Value: 74.27%

Peer Median: 64.48%

#2073 of 2643 Bottom 21.6% in $100M-$1B