BlastPoint's Banking Scorecard
First National Bank of Scotia
Community
Specialty: Commercial
NY
FDIC cert 11501
Scotia, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
First National Bank of Scotia faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 6% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$698.5M
+3.3% YoY
-3.3% QoQ
|
-$692.9M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$510.4M
+3.2% YoY
+0.2% QoQ
|
-$465.1M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$613.9M
+3.2% YoY
-3.3% QoQ
|
-$550.7M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
0.72%
-6.5% YoY
-6.5% QoQ
|
-0.44% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
4.28%
+3.5% YoY
+0.8% QoQ
|
+0.62% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
75.67%
+0.2% YoY
+4.7% QoQ
|
+13.04% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
1.53%
+2.1% YoY
+21.4% QoQ
|
+0.90% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
83.14%
-0.0% YoY
+3.6% QoQ
|
+0.08% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
29.00%
-2.8% YoY
-0.0% QoQ
|
+7.96% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
1.11%
+2.0% YoY
+25.8% QoQ
|
+0.62% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
13.14%
+2.8% YoY
-0.0% QoQ
|
+2.90% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.52%
+9.8% YoY
+36.4% QoQ
|
-0.22% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#39 of 642 · Bottom 6% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 29.00% · Tier avg: 21.05%
80
80th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.66%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.14% · Tier avg: 10.24%
51
51th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
45
45th pctile
Loan-to-Deposit Ratio
Current: 83.14% · Tier avg: 83.06%
32
32th pctile
Total Loans
Current: $510.4M · Tier avg: $975.5M
30
30th pctile
Total Deposits
Current: $613.9M · Tier avg: $1.2B
27
27th pctile
Total Assets
Current: $698.5M · Tier avg: $1.4B
21
21th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.16%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.11% · Tier avg: 0.50%
16
16th pctile
Efficiency Ratio
Current: 75.67% · Tier avg: 62.63%
15
15th pctile
Delinquency Rate
Current: 1.53% · Tier avg: 0.63%
Top Weaknesses
15
15th pctile
Delinquency Rate
Current: 1.53% · Tier avg: 0.63%
16
16th pctile
Efficiency Ratio
Current: 75.67% · Tier avg: 62.63%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.11% · Tier avg: 0.50%
21
21th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.16%
27
27th pctile
Total Assets
Current: $698.5M · Tier avg: $1.4B
30
30th pctile
Total Deposits
Current: $613.9M · Tier avg: $1.2B
32
32th pctile
Total Loans
Current: $510.4M · Tier avg: $975.5M
45
45th pctile
Loan-to-Deposit Ratio
Current: 83.14% · Tier avg: 83.06%
51
51th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.14% · Tier avg: 10.24%
80
80th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.66%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 29.00% · Tier avg: 21.05%