Fees from its schedule are under review and appear here once review is done.
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Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
54th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 17, 2026
Call-report figures are for First National Bank of Scotia at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First National Bank of Scotia's published fee schedule; Bank Fee Index medians | Current schedule | Oct 17, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.2% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (54th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $178K in Q2 2026, 5.8% below the same quarter a year earlier ($189K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for First National Bank of Scotia (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $178K | −$10K | −5.3% |
| Q1 2026 | $188K | +$5K | +2.7% |
| Q4 2025 | $183K | −$2K | −1.1% |
| Q3 2025 | $185K | −$4K | −2.1% |
| Q2 2025 | $189K | +$10K | +5.6% |
| Q1 2025 | $179K | −$10K | −5.3% |
| Q4 2024 | $189K | +$12K | +6.8% |
| Q3 2024 | $177K | +$2K | +1.1% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, First National Bank of Scotia left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First National Bank of Scotia by share.
They stay out of every comparison until review is done.
per month
per day
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| 1st Checking Monthly maintenance fee (audience not stated, treated as personal) | $5 | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $5 | per month | None |
| Paper Statement (audience not stated, treated as personal) | No charge | Not stated | None |
| Paper statements (audience not stated, treated as personal) | $2 | Not stated | None |
Other feesUnder review | |||
| 1st Checking Monthly maintenance fee (audience not stated, treated as personal) | $5 | per month | None |
| discount on gift card activation fee (audience not stated, treated as personal) | $2 | Not stated | None |
| Fee-free debit card use at any Allpoint® Network ATM (audience not stated, treated as personal) | $10 | Not stated | None |
| Interest Checking (audience not stated, treated as personal) | $100 | per day | None |
| monthly maintenance fee (audience not stated, treated as personal) | $5 | per month | None |
| paper statements (audience not stated, treated as personal) | No charge | Not stated | None |
| Paper statements (audience not stated, treated as personal) | $2 | Not stated | None |
| unlimited 1st National ATM access (audience not stated, treated as personal) | $5 | per month | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where First National Bank of Scotia operates, and what regulators and customers have on file.
Branch footprint
10 offices in 1 state, $632.0M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 10 | $632.0M |
Albany-Schenectady-Troy, NY
2% of bank deposits, #12 of 19, up 0.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| KeyBank National Association | 31.3% |
| TrustCo Bank | 11.7% |
| Bank of America, National Association | 9.2% |
| Manufacturers and Traders Trust Company | 8% |
| Citizens Bank, National Association | 6.7% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Albany-Schenectady-Troy, NY, First National Bank of Scotia holds 2% of bank deposits, #12 of 19, with 10 offices.
350 offices of 36 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 19 institutions shown. $31.2B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 2% share, 10 offices, #12 of 19
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
105 offices of 19 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows