First National Bank of Scotia

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.25%	5-year CD	60 Month CD 2.35% - Synchrony Bank 60 Month CD
0.25%	1-year CD	12-17 Month CD 1.40% - Synchrony Bank 12 Month CD
0.05%	Savings	Day of Deposit Savings Account 1.20% - Synchrony Bank High Yield Savings

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Overview / Commentary

www.firstscotia.com

518-370-7200

201 Mohawk Avenue
Scotia, NY 12302

First National Bank of Scotia is headquartered in Scotia and is the 82^nd largest bank in the state of New York. It is also the 1,542^nd largest bank in the nation. It was established in 1923 and as of March of 2017, it had grown to 132 employees at 10 locations. First National Bank of Scotia has an A health rating.

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Health

A

Data as of Q1 2017

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Health Grade Components

Overall
FDIC Certificate #	11501
Year Established	1923
Employees	132
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.43%
Return on Equity - YTD	5.59%
Annual Interest Income	$3.8MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$458.8MM$441.3MM
Loans	Q1 2017vs Q1 2016	$385.4MM$378.7MM
Deposits	Q1 2017vs Q1 2016	$418.3MM$397.6MM
Equity Capital	Q1 2017vs Q1 2016	$34.8MM$33.8MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$4.0MM$3.8MM
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$1.2MM$1.3MM
Real Estate Owned	Q1 2017vs Q1 2016	$207.00K$154.00K

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank of Scotia Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$50	-	Young Savers Account
0.15%^*	$2,500^*	-	Health Savings Account
OTHER TIERS: 0.10% → Up to $500 \| 0.11% → $500 - $2,500
0.05%	$50	-	Day of Deposit Savings Account
0.02%	$50	-	Club Account

First National Bank of Scotia Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$250k^*	-	Tiered Money Market Account
OTHER TIERS: 0.10% → $2,500 - $25k \| 0.13% → $25k - $100k \| 0.17% → $100k - $250k
0.05%	$2,500	-	Money Market Account

First National Bank of Scotia Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.02%	$500	-	NOW Account

First National Bank of Scotia CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	$500	-	60 Month CD
0.85%	$500	-	48 Month CD
0.70%	$500	-	36 Month CD
0.46%	$500	-	24 Month CD
0.25%	$500	-	12-17 Month CD
0.25%	$500	-	18-29 Month CD
0.10%	$2,500	-	180-364 Day CD
0.05%	$2,500	-	30 Day CD
0.05%	$2,500	-	90-179 Day CD

First National Bank of Scotia IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	$250	-	60 Month IRA
0.85%	$250	-	48 Month IRA
0.70%	$250	-	36 Month IRA
0.46%	$500	-	24 Month IRA
0.25%	$250	-	12-17 Month IRA
0.25%	$250	-	18-29 Month IRA

Locations

First National Bank of Scotia Locations
Ge Global Research Center	1 Research Circle, Commons 2a7	Schenectady, NY 12309
Schenectady Branch	120 Erie Boulevard	Schenectady, NY 12305
Niskayuna Branch	1476 Balltown Road	Niskayuna, NY 12309
Clifton Park Office	1643 Rt 9	Clifton Park, NY 12065
Colonie Branch	1705 Central Avenue	Colonie, NY 12205
First National Bank Of Scotia	201 Mohawk Avenue	Scotia, NY 12302
Glenville Branch	240 Saratoga Road	Glenville, NY 12302
Rotterdam Branch	2695 Hamburg Street	Schenectady, NY 12303
Saratoga Branch	3013 Route 50	Saratoga Springs, NY 12866
Guilderland-Westmere Branch	8 Karner Road	Guilderland, NY 12084