Bank · FDIC insured
1st National Bank of Scotia
A $719M bank headquartered in Scotia, NY, with 10 branches in New York. Best rates: savings 0.85% APY.
1st National Bank of Scotia Carrot Score
68
Carrot Score
Higher than 21% of U.S. banks and credit unions
#13 of 25 in Albany, NY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About 1st National Bank of Scotia
Founded in 1923 when local businessmen established Glenville Bank in the Village of Scotia, the bank remains independently owned and operated.
- Headquarters
- 201 Mohawk Ave, Scotia, NY 12302
- FDIC certificate
- 11501 ↗
Branches
10 branches in New York
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New York
10 branches
- First National Bank of ScotiaMain office201 Mohawk Ave, Scotia, NY 12302Directions
- Clifton Park Office1643 Route 9, Clifton Park, NY 12065Directions
- Colonie Branch1705 Central Ave, Colonie, NY 12205Directions
- Glenville Branch240 Saratoga Rd, Glenville, NY 12302Directions
- Guilderland-Westmere Branch8 Karner Road, Guilderland, NY 12084Directions
- Niskayuna Branch1476 Balltown Rd, Niskayuna, NY 12309Directions
- Saratoga Branch3013 Route 50, Saratoga Springs, NY 12866Directions
- Ge Global Research Center1 Research Circle, Commons 2a7, Schenectady, NY 12309Directions
- Rotterdam Branch2695 Hamburg St, Schenectady, NY 12303Directions
- Schenectady Branch120 Erie Blvd, Schenectady, NY 12305Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.22% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.50% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.74% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $82 | $81 | — |
- CapitalLeverage ratio9.22%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.50%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.74%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$82Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of 1st National Bank of Scotia are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.