First National Bank Of Scotia is a bank based in Scotia, New York, established in 1923, with $706 million in total assets across 10 branches. By Trust Grade it ranks 56th of 118 banks we track in New York. Its capital ratio of 9.5% trails most similarly sized banks (38th percentile), versus a New York median of 10.4%. It was profitable over the most recent period, with a 0.74% return on assets. No consumer complaints against First National Bank Of Scotia appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First National Bank Of Scotia compares to New York peers
How we graded First National Bank Of Scotia
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.5% capital ratio)
- Profitable (ROA 0.74%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First National Bank Of Scotia over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (10)
- 1705 Central Ave, Colonie, NY 12205
- 1476 Balltown Rd, Niskayuna, NY 12309
- 8 Karner Road, Guilderland, NY 12084
- 240 Saratoga Rd, Glenville, NY 12302
- 120 Erie Blvd, Schenectady, NY 12305
- 3013 Route 50, Saratoga Springs, NY 12866
- 1 Research Circle, Commons 2a7, Schenectady, NY 12309
- 2695 Hamburg St, Schenectady, NY 12303
- 1643 Route 9, Clifton Park, NY 12065
- 201 Mohawk Ave, Scotia, NY 12302
Are deposits at First National Bank Of Scotia insured?
Yes. First National Bank Of Scotia is an FDIC-insured bank (FDIC certificate #11501). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First National Bank Of Scotia: frequently asked questions
Is First National Bank Of Scotia a good bank?
First National Bank Of Scotia earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Strongly capitalized (9.5% capital ratio); Profitable (ROA 0.74%).
Is First National Bank Of Scotia FDIC-insured?
Yes. First National Bank Of Scotia is a FDIC-insured bank (FDIC certificate #11501). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First National Bank Of Scotia?
First National Bank Of Scotia holds $706 million in total assets, ranking 56th of 118 banks we track in New York. It operates 10 branches.
Does First National Bank Of Scotia have CFPB complaints?
No CFPB complaints against First National Bank Of Scotia appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
