First National Bank of Scotia
Scotia, NY
IDRSSD: 472616
Total Assets
$698.52M
Latest filing
Total Deposits
$613.91M
Latest filing
Net Interest Margin
4.30%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
021310711SCOTIA, NY
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank of Scotia
201 Mohawk Ave
Scotia, NY 12302
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1923FDIC Certificate 7349
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First National Bank of Scotia (Main) | 201 Mohawk Ave | Scotia, NY |
| COLONIE BRANCH | 1705 Central Ave | Colonie, NY |
| NISKAYUNA BRANCH | 1476 Balltown Rd | Niskayuna, NY |
| GUILDERLAND-WESTMERE BRANCH | 8 Karner Road | Guilderland, NY |
| GLENVILLE BRANCH | 240 Saratoga Rd | Glenville, NY |
| SCHENECTADY BRANCH | 120 Erie Blvd | Schenectady, NY |
| SARATOGA BRANCH | 3013 Route 50 | Saratoga Springs, NY |
| GE GLOBAL RESEARCH CENTER | 1 Research Circle, Commons 2a7 | Schenectady, NY |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1923 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 12302 |
| State and County Number | 36093 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Albany-Schenectady-Troy, NY |
Operational Info
| Number of Employees | 143 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.firstscotia.com |
| Data Updated | 01/30/2026 |
| CERT | 11501 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $698.52M |
| Total Deposits | $613.91M |
| Total Liabilities | $632.23M |
| Total Equity Capital | $66.29M |
| Net Income | $998.00k |
| Net Loans and Leases | $510.42M |
| Assets Per Employee ($Millions) | $4.85M |
| Bank Premises and Fixed Assets | $9.55M |
| Cash and Balances due from Depository Institutions | $64.02M |
| Deposits Held in Domestic Offices | $613.91M |
Key Performance Ratios
| Return on Assets (ROA) | 0.56% |
| Return on Equity (ROE) | 6.14% |
| Net Interest Margin | 4.3% |
| Efficiency Ratio | 85.72% |
| Tier 1 Risk-Based Capital Ratio | 13.144% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.18% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.49% |
| Earning Assets to total Assets | 91.99% |
Income and Expense
| Total Interest Income | $8.33M |
| Total Noninterest Income | $883.00k |
| Total Interest Expense | $1.29M |
| Total Noninterest Expense | $6.79M |
| Net Interest Income | $7.03M |
| Pre-tax Net Operating Income | $818.00k |
| Provision for Credit Losses | $312.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.88M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $12.43M |
| Total Liabilities and Capital | $698.52M |
Securities
| Securities | $78.25M |
| Available-for-sale debt securities | $74.96M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $3.21M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank of Scotia?
$698.52M as of the latest filing.
How much are First National Bank of Scotia's total deposits?
$613.91M in total deposits.
Where is First National Bank of Scotia located?
Scotia, NY.
What is the Net Interest Margin?
4.30%.
How many domestic offices does it operate?
10.
When was it established?
01/01/1923.
What is the Return on Assets (ROA)?
0.56%.
How much are total loans and leases?
$510.42M (latest filing).
What is the total interest income (latest filing)?
$8.33M.