First Nb Of Scotia (FDIC #11501): Bank Stress & Real-Estate Credit Exposure
First Nb Of Scotia (FDIC Cert #11501): bank stress 78/100, severe, STABLE over 7 days; parent GLENVILLE BANK HOLDING CO INC.
First Nb Of Scotia (#11501) lends in 3 counties across 1 state; First Nb Of Scotia (#11501) reaches 82 ZIP codes: New York 3 counties, 82 ZIPs.
First Nb Of Scotia (#11501) largest markets: Albany County, NY (94 branches, 47 ZIPs) (#11501), Saratoga County, NY (54 branches, 27 ZIPs) (#11501), Schenectady County, NY (114 branches, 19 ZIPs) (#11501).
First Nb Of Scotia (#11501) reports $719.0 million in total assets; First Nb Of Scotia (#11501) equity $68.2 million (9.5% of First Nb Of Scotia (#11501) assets); First Nb Of Scotia (#11501) domestic deposits $632.0 million; First Nb Of Scotia (#11501) net income $2.6 million; First Nb Of Scotia (#11501) return on assets 0.74%; First Nb Of Scotia (#11501) return on equity 7.78%; First Nb Of Scotia (#11501) net interest income $14.2 million; First Nb Of Scotia (#11501) call report June 30, 2026.
First Nb Of Scotia (#11501) noncurrent real-estate loans: none reported; First Nb Of Scotia (#11501) net charge-offs on real estate 1.36%; First Nb Of Scotia (#11501) residential charge-offs 4.12%.
First Nb Of Scotia (#11501) net interest margin 4.34% against an eight-quarter First Nb Of Scotia (#11501) average of 4.21% (First Nb Of Scotia (#11501) compression -0.13 points); First Nb Of Scotia (#11501) non-residential real estate 412.0% of equity; First Nb Of Scotia (#11501) rate-exposure score 40/100, First Nb Of Scotia (#11501) fixed-rate trap 40/100; First Nb Of Scotia (#11501) risk type credit driven; First Nb Of Scotia (#11501) rate regime rates elevated, First Nb Of Scotia (#11501) snapshot October 19, 2026.
First Nb Of Scotia (#11501) stress score moved from 76.1 on June 22, 2026 to 77.6 on October 20, 2026; First Nb Of Scotia (#11501) ranged 76.1 to 77.6 over 117 snapshots.
First Nb Of Scotia (#11501) alerts: 3 counties; top First Nb Of Scotia (#11501) alert scores: Schenectady County, NY 51 (elevated); Guilderland County, NY 26 (low); Saratoga Springs County, NY 26 (low).