State Bank of Scotia
Scotia, Nebraska · FDIC Cert #14069
State Bank of Scotia is an FDIC-insured bank (Certificate #14069) with $59M in total assets and $47M in total deposits as of the Q2 2024 Call Report. Headquartered in Scotia, Nebraska, the bank maintains a Tier 1 capital ratio of 29.01% (Well-Capitalized) and a nonperforming loan ratio of 7.75%. BankHealthData assigns a composite Health Grade of B (67/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
State Bank of Scotia (FDIC cert 14069) is a community bank — $59M in total assets, $47M in deposits, serving the Scotia, Nebraska area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 29.01% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality shows stress: non-performing loan ratio of 7.75% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is very high: 40.2% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 1.18% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. State Bank of Scotia carries a composite BankHealth grade of B (67/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: State Bank of Scotia
- Total Assets
- $59M
- Total Deposits
- $47M
- Tier 1 Capital Ratio
- 29.01%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 7.75%
- Liquidity Ratio
- 40.16%
- Return on Assets
- 1.18%
- Headquarters
- Scotia, Nebraska
- FDIC Certificate
- #14069
- Health Grade
- B (67/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, State Bank of Scotia holds a Tier 1 capital ratio of 29.01%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning State Bank of Scotia has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
State Bank of Scotia shows strong financial health indicators. With $59M in assets and a Health Score of 67/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How State Bank of Scotia Compares
State Bank of Scotia’s Health Score of 67 is 2 points above the Nebraska state average of 65 across 120 FDIC-insured banks. Its 29.01% Tier 1 capital ratio is 15.0 points above the US banking industry average near 14%. The 7.75% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.18% is in line with or above the national ROA benchmark of ~1.1%. Among 659 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, State Bank of Scotia is 3 points below the portfolio average of 70.
Frequently Asked Questions
State Bank of Scotia has a Bank Health Score of B (67/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 29.01%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. State Bank of Scotia's Tier 1 capital ratio of 29.01% and nonperforming loan ratio of 7.75% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at State Bank of Scotia is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #14069). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
State Bank of Scotia holds $59M in total assets and $47M in total deposits. It is headquartered in Scotia, Nebraska (FDIC Certificate #14069).
State Bank of Scotia has a Tier 1 capital ratio of 29.01%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 7.75%, and the return on assets is 1.18%.
Yes. State Bank of Scotia is FDIC-insured (Certificate #14069). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
State Bank of Scotia's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.