First National Bank of Scotia

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LOCATIONS

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

firstscotia.com

518-370-7200

201 Mohawk Avenue
Scotia, NY 12302

First National Bank of Scotia is headquartered in SCOTIA and is the 63^rd largest bank in the state of New York. It is also the 1,391^st largest bank in the nation. It was established in 1923 and as of March of 2025, it had grown to 142 employees at 10 locations. First National Bank of Scotia has a B health rating.

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Health

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	11501
Year Established	1923
Employees	142
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.64%
Return on Equity - YTD	7.44%
Annual Interest Income	$7.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$690.5MM$653.3MM
Loans	Q1 2025vs Q1 2024	$499.4MM$481.7MM
Deposits	Q1 2025vs Q1 2024	$607.4MM$590.8MM
Equity Capital	Q1 2025vs Q1 2024	$59.7MM$52.3MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$5.4MM$5.7MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$6.9MM$2.5MM
Real Estate Owned	Q1 2025vs Q1 2024	$130K$0

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Rates for First National Bank of Scotia are currently being reviewed.

Locations

Cities: Clifton Park, Colonie, Glenville, Guilderland, Niskayuna, Saratoga Springs, Schenectady, Scotia

Clifton Park Branches
Clifton Park Office	1643 Rt 9	Clifton Park, NY 12065

Colonie Branches
Colonie Branch	1705 Central Avenue	Colonie, NY 12205

Glenville Branches
Glenville Branch	240 Saratoga Road	Glenville, NY 12302

Guilderland Branches
Guilderland-Westmere Branch	8 Karner Road	Guilderland, NY 12084

Niskayuna Branches
Niskayuna Branch	1476 Balltown Road	Niskayuna, NY 12309

Saratoga Springs Branches
Saratoga Branch	3013 Route 50	Saratoga Springs, NY 12866

Schenectady Branches
Ge Global Research Center	1 Research Circle, Commons 2a7	Schenectady, NY 12309
Schenectady Branch	120 Erie Boulevard	Schenectady, NY 12305
Rotterdam Branch	2695 Hamburg Street	Schenectady, NY 12303

Scotia Branches
First National Bank Of Scotia	201 Mohawk Ave	Scotia, NY 12302

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