🏦Bank Scorer

FIRST NATIONAL BANK OF SCOTIA

SCOTIA, NY · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1923FDIC #11,501
Outstanding Same

Current rating · Exam: December 2024

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.74%

Institution Profile

FDIC BankFind

Address

201 Mohawk Ave, SCOTIA, NY

County

Schenectady County

Established

January 1, 1923

Total Assets

$706M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

December 16, 2024

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Dec 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$706M

Total Deposits

$621M

Net Loans

$507M

Net Income

$1M

ROA

0.74%

ROE

7.77%

Risk-Based Capital

14.50%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate9.60%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$612M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202417780.79%9.60%
202316281.48%8.64%
202221384.51%7.51%
202125884.88%4.65%
202026084.62%3.85%
201925988.8%4.25%
201824284.3%6.61%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

8 previous ratings locked — dating back to 1994

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/105d5fed-2c7a-43d1-933c-8d1a8efc10ee"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: