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 First National Bank of Scotia
First National Bank of Scotia
| RSSD ID 472616 | CERTIFICATE 11501 | ABA NUMBER 21310711 |
| 201 Mohawk Ave |
Quarter Ended : |
2025-09-30 |
| Scotia, New York, 12302 |
Updated : |
2025-10-30 |
| www.firstscotia.com |
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| Institution Profile |
| Year Opened : |
1923 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
10 |
Number of Employees : |
143 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 722,402 |
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Total Interest Income | 24,403 |
| Total Liabilities | 658,715 |
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Total NonInterest Income | 2,773 |
| Total Bank Equity Capital | 63,687 |
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Total Interest Expense | 3,938 |
| Total Deposits | 634,755 |
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Total NonInterest Expense | 16,790 |
| Net Loans & Leases | 509,249 |
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Net Income | 4,042 |
| Loan Loss Allowance | 5,482 |
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Net Charge Offs | 1,094 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 69,231 |
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Total loans | 514,264 |
| Total assets for the leverage ratio | 712,000 |
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Loans secured by real estate: | 309,907 |
| Tier 1 Leverage Ratio | 8.94 |
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Commercial and industrial loans | 45,860 |
| Tier 1 Capital Ratio | 13.15 |
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Loans to individuals - Credit Cards | 2,555 |
| Total Capital Ratio | 14.31 |
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Loans to individuals - Other | 153,335 |
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:· First National Bank of Scotia
