BlastPoint's Banking Scorecard
First National Bank of Scotia
Scotia, NY
10 branches across NY
First National Bank of Scotia has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.40% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 2.5% in tier
- - Credit Quality Pressure: Bottom 49.5% in tier
- - ROA 0.53% below tier average
- - Efficiency Ratio 9.15% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$706.5M
+2.3% YoY
+1.1% QoQ
|
+$320.4M |
$386.1M
+0.5% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
Top 12.3% in tier |
| Total Loans ? |
$507.1M
+1.5% YoY
-0.6% QoQ
|
+$251.4M |
$255.7M
+1.1% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
Top 10.4% in tier |
| Total Deposits ? |
$620.7M
+2.2% YoY
+1.1% QoQ
|
+$292.7M |
$328.0M
+0.1% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
Top 11.3% in tier |
| Return on Assets ? |
0.74%
+14.3% YoY
+1.8% QoQ
|
-0.53% |
1.27%
+12.9% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
23% |
| Net Interest Margin ? |
4.33%
+6.5% YoY
+1.2% QoQ
|
+0.40% |
3.93%
+6.0% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
74.44%
-2.9% YoY
-1.6% QoQ
|
+9.15% |
65.29%
-4.5% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
23% |
| Delinquency Rate ? |
1.47%
+6.1% YoY
-3.8% QoQ
|
+0.58% |
0.89%
+18.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
81.71%
-0.6% YoY
-1.7% QoQ
|
+5.07% |
76.64%
+0.8% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
28.44%
-2.2% YoY
-1.9% QoQ
|
+6.42% |
22.02%
-1.0% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
78% |
| Nonperforming Asset Ratio ? |
1.05%
+3.3% YoY
-5.5% QoQ
|
+0.42% |
0.64%
+19.7% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
19% |
| Tier 1 Capital Ratio ? |
13.33%
+5.4% YoY
+1.4% QoQ
|
-2.50% |
15.83%
+1.5% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.13%
+10.4% YoY
-75.7% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
66% |
Get Full Access to First National Bank of Scotia
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.