Total Assets
$719.0M
Total Deposits
$632.0M
Branches
10
Established
1923
First National Bank of Scotia is a bank headquartered in Scotia, New York, established in 1923. It holds $719.0M in total assets across 10 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First National Bank of Scotia earns a TFS Financial Health Grade of B- (73.1/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
73.1 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| First National Bank of ScotiaHQ | 201 Mohawk Ave | Scotia | NY | 11 |
| First National Bank of Scotia | 1643 Route 9 | Clifton Park | NY | 11 |
| First National Bank of Scotia | 1705 Central Ave | Colonie | NY | 11 |
| First National Bank of Scotia | 240 Saratoga Rd | Glenville | NY | 11 |
| First National Bank of Scotia | 8 Karner Road | Guilderland | NY | 11 |
| First National Bank of Scotia | 1476 Balltown Rd | Niskayuna | NY | 11 |
| First National Bank of Scotia | 3013 Route 50 | Saratoga Springs | NY | 11 |
| First National Bank of Scotia | 1 Research Circle, Commons 2a7 | Schenectady | NY | 11 |
| First National Bank of Scotia | 2695 Hamburg St | Schenectady | NY | 11 |
| First National Bank of Scotia | 120 Erie Blvd | Schenectady | NY | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
73.1
Tier 1 capital ratio
9.22%
Return on assets
0.74%
Non-performing loans
1.50%
Efficiency ratio
74.27%
Asset growth (YoY)
2.57%
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.