State Bank of Scotia: how it compares with its peers
Against 37 NE banks with half to twice its assets, State Bank of Scotia's strongest measure in Q2 2026 is assets per employee ($10.2M vs. a $7.9M peer median). Its weakest relative measure is net interest margin (2.41% vs. 3.74%).
| Measure | State Bank of Scotia | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.40% | 1.23% | Bottom third Ahead of 11% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.41% | 3.74% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.33% | 64.22% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.2M | $7.9M | Top third Ahead of 86% of peers |
| Loans to deposits Net loans and leases over total deposits. | 53.69% | 76.71% | Context |
What it means for lending operations
Its efficiency ratio of 69.33% is above the 64.22% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Cedar Security Bank Fordyce, NE · $62M
- Bank of Clarks Clarks, NE · $58M
- Generations Bank Exeter, NE · $58M
- Stanton State Bank Stanton, NE · $65M
- Commercial Bank Nelson, NE · $56M
- Sidney Federal Savings and Loan Association Sidney, NE · $56M
Questions about State Bank of Scotia
How big is State Bank of Scotia?
State Bank of Scotia, established in 1934, is headquartered in Scotia, NE. It reported $61M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is State Bank of Scotia's return on assets?
0.40% annualized in Q2 2026, against a 1.23% median for 37 NE banks with half to twice its assets, ahead of 11% of them.
What is State Bank of Scotia's efficiency ratio?
69.33% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 64.22%, and lower is better.
Is State Bank of Scotia growing its loans?
Net loans shrank 11.7% over the year to Q2 2026, while deposits shrank 3.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NE banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Nebraska bank ranked.