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First National Bank of Scotia


First National Bank of Scotia is an FDIC insured institution headquartered at 201 Mohawk Ave, Scotia, NY 12302.
It was founded in 1923 and has approximately $1 billion in assets. Customers can open an account at one of its 10 branches.

Deposit Rates - April 25, 2026

SAVINGS RATES APY MIN
SAV
0.20% $50 Compare
CD RATES APY MIN
3 Mo CD
0.55% $2,500 Compare
6 Mo CD
2.51% $2,500 Compare
11 Mo CD
1.03% $25,000 Compare
12 Mo CD
2.57% $500 Compare
24 Mo CD
2.60% $500 Compare
36 Mo CD
2.65% $500 Compare
48 Mo CD
2.69% $500 Compare
60 Mo CD
2.72% $500 Compare
MM RATES APY MIN
Money Market
0.65% $2,500 Compare
Money Market
1.01% $100,000 Compare
Money Market
1.53% $250,000 Compare
Money Market
2.01% $1,000,000 Compare
FIXED IRA RATES APY MIN
24 Mo FIRA
2.60% $500
60 Mo FIRA
2.72% $500
VARIABLE IRA RATES APY MIN
VIRA
3.75% $50
INT CHECKING RATES APY MIN
INTCK
0.05% $500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 11501
Date Established 1923
Assets $ 698.52 million
Loans $ 510.42 million
Deposits $ 613.92 million
Capital $ 66.29 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 64.02 million
Interest-bearing balances $ 53.89 million
Total securities $ 78.25 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 510.42 million
Loan loss allowance $ 5.50 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.36 million
All other assets $ 22.24 million
     Total Assets $ 632.23 million

LIABILITIES
Total deposits $ 613.92 million
      Interest-bearing deposits $ 435.88 million
      Deposits held in domestic offices $ 613.92 million
      % insured (estimated)" 83.50%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 10.14 millionn
      Total Liabilities $ 632.23 million
      Shareholders’ Equity $ 66.29 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 32.73 million
Total Interest Expense $ 5.23 million
Net interest income $ 27.50 million
Provision for loan and lease losses $ 1.31 million
Total non interest income $ 3.66 million
Total non interest expense $ 23.58 million
Pre-tax Net Operating Income $ 2.35 million

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