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 1.85% - Synchrony Bank 60 Month CD
0.20%	1-year CD	12-17 Month CD 1.05% - Ally Bank High Yield 12-Month CD
0.05%	Savings	Day of Deposit Savings Account 1.00% - Ally Bank Online Savings Account

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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 83^rd largest bank in the state of New York. It is also the 1,573^rd largest bank in the nation. It was established in 1923 and as of June of 2016, it had grown to 136 employees at 10 locations. First National Bank of Scotia has a B+ health rating.

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Health

B+

Data as of Q2 2016

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Health Grade Components

Overall
FDIC Certificate #	11501
Year Established	1923
Employees	136
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.43%
Return on Equity - YTD	5.61%
Annual Interest Income	$7.3MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$437.8MM$431.1MM
Loans	Q2 2016vs Q2 2015	$377.0MM$342.4MM
Deposits	Q2 2016vs Q2 2015	$398.7MM$394.0MM
Equity Capital	Q2 2016vs Q2 2015	$34.0MM$32.5MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$3.9MM$4.2MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$1.3MM$1.6MM
Real Estate Owned	Q2 2016vs Q2 2015	$155.00K$0

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
0.15%^*	$250k^*	-	Tiered Money Market Account
OTHER TIERS: 0.05% → $2,500 - $25k \| 0.10% → $25k - $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
0.75%	$500	-	48 Month CD
0.62%	$500	-	36 Month CD
0.46%	$500	-	24 Month Relationship CDSpecial
0.25%	$500	-	18-29 Month CD
0.20%	$500	-	12-17 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
0.75%	$250	-	48 Month IRA
0.62%	$250	-	36 Month IRA
0.46%	$250	-	24 Month Relationship IRA Special
0.25%	$250	-	18-29 Month IRA
0.20%	$250	-	12-17 Month IRA
0.15%	$50	-	12 Month Variable 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