Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
FNB of Scotia Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: September 23, 2026
FNB of Scotia's 5/1 ARM Adjustable rates are at 5.75%, Adjustable Mortgage Rates - 5/1 ARM rates are at 5.75%, Fixed Mortgage rates are at 6.50%, 7/1 ARM Adjustable rates are at 6.38%, Adjustable Mortgage Rates - 7/1 ARM rates are at 6.38%. FNB of Scotia's Personal Loan Rates are as low as 6.00%. MonitorBankRates evaluates the financial stability of FNB of Scotia with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.34%. Rates last updated and verified on 09/23/2026.
FNB of Scotia money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at FNB of Scotia? Share your experience about FNB of Scotia by leaving a review below, or read customer reviews before you decide to use FNB of Scotia.
FNB of Scotia has earned an overall safety grade of A (Excellent, Score: 94/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
FNB of Scotia has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
11.34%
ExcellentHigher than avg
FNB of Scotia Texas Ratio
FNB of Scotia's Texas Ratio is 11.34%, which is considered excellent and is higher than the national average of 5.85%.
FNB of Scotia has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
8.63% to 11.34% over 12 quarters, worseningFull history
Star Rating 5.0 to 5.0, Health Grade A to A
The Texas Ratio for this bank has weakened since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
DetailsRequirements: Terms up to & including 60 mo. maximum 89% LTV; Maximum $250,000; *No Closing Cost Program; For Example: A $100,000 1st position home equity loan with an LTV of 89% for 60 months at 6.009% APR would have a payment amount of $1,933.71 and a finance charge of $16,022.72. Payment does not include amounts for taxes and insurance premiums. Actual payment obligation will be greater.; *All closing costs are waived. If the Home Equity is paid off and closed within three years of loan closing all closing costs will be charged back and added to the payoff amount of the loan, estimated range is between $588 to $1,488 for loans up to $100,000.; **Rates and Terms are subject to change without prior notice. The APR is based upon the maximum allowed at an 89% loan to value (LTV) ratio and a sample loan amount of $100,000.; ***Rates and Terms are subject to change without prior notice. The APR is based upon the maximum term allowed at an 89% loan to value (LTV) ratio and a sample loan amount of $100,000.
Last Updated09/15/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Home Equity Loan - First Lien Position
6.13%
-
6.13%
61-120
DetailsRequirements: Terms 61 up to & including 120 mo. with 89% LTV; Maximum $250,000; *No Closing Cost Program; For Example: A $100,000 1st position home equity loan with an LTV of 89% for 60 months at 6.009% APR would have a payment amount of $1,933.71 and a finance charge of $16,022.72. Payment does not include amounts for taxes and insurance premiums. Actual payment obligation will be greater.; *All closing costs are waived. If the Home Equity is paid off and closed within three years of loan closing all closing costs will be charged back and added to the payoff amount of the loan, estimated range is between $588 to $1,488 for loans up to $100,000.; **Rates and Terms are subject to change without prior notice. The APR is based upon the maximum allowed at an 89% loan to value (LTV) ratio and a sample loan amount of $100,000.; ***Rates and Terms are subject to change without prior notice. The APR is based upon the maximum term allowed at an 89% loan to value (LTV) ratio and a sample loan amount of $100,000.
Last Updated09/15/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Home Equity Loan - Second Lien Position
6.13%
-
6.13%
Up to 60 mo.
DetailsRequirements: Terms up to & including 60 mo. maximum 89% LTV; Maximum $250,000; *No Closing Cost Program; For Example: A $100,000 1st position home equity loan with an LTV of 89% for 60 months at 6.009% APR would have a payment amount of $1,933.71 and a finance charge of $16,022.72. Payment does not include amounts for taxes and insurance premiums. Actual payment obligation will be greater.; *All closing costs are waived. If the Home Equity is paid off and closed within three years of loan closing all closing costs will be charged back and added to the payoff amount of the loan, estimated range is between $588 to $1,488 for loans up to $100,000.; **Rates and Terms are subject to change without prior notice. The APR is based upon the maximum allowed at an 89% loan to value (LTV) ratio and a sample loan amount of $100,000.; ***Rates and Terms are subject to change without prior notice. The APR is based upon the maximum term allowed at an 89% loan to value (LTV) ratio and a sample loan amount of $100,000.
Last Updated09/15/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Home Equity Loan - First Lien Position
6.38%
-
6.38%
121-180
DetailsRequirements: Terms 121 up to & including 180 mo. with 89% LTV or below; Maximum $250,000; *No Closing Cost Program; For Example: A $100,000 1st position home equity loan with an LTV of 89% for 60 months at 6.009% APR would have a payment amount of $1,933.71 and a finance charge of $16,022.72. Payment does not include amounts for taxes and insurance premiums. Actual payment obligation will be greater.; *All closing costs are waived. If the Home Equity is paid off and closed within three years of loan closing all closing costs will be charged back and added to the payoff amount of the loan, estimated range is between $588 to $1,488 for loans up to $100,000.; **Rates and Terms are subject to change without prior notice. The APR is based upon the maximum allowed at an 89% loan to value (LTV) ratio and a sample loan amount of $100,000.; ***Rates and Terms are subject to change without prior notice. The APR is based upon the maximum term allowed at an 89% loan to value (LTV) ratio and a sample loan amount of $100,000.
Last Updated09/15/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Home Equity Loan - Second Lien Position
6.38%
-
6.38%
61-120
DetailsRequirements: Terms 61 up to & including 120 mo. with 89% LTV; Maximum $250,000; *No Closing Cost Program; For Example: A $100,000 1st position home equity loan with an LTV of 89% for 60 months at 6.009% APR would have a payment amount of $1,933.71 and a finance charge of $16,022.72. Payment does not include amounts for taxes and insurance premiums. Actual payment obligation will be greater.; *All closing costs are waived. If the Home Equity is paid off and closed within three years of loan closing all closing costs will be charged back and added to the payoff amount of the loan, estimated range is between $588 to $1,488 for loans up to $100,000.; **Rates and Terms are subject to change without prior notice. The APR is based upon the maximum allowed at an 89% loan to value (LTV) ratio and a sample loan amount of $100,000.; ***Rates and Terms are subject to change without prior notice. The APR is based upon the maximum term allowed at an 89% loan to value (LTV) ratio and a sample loan amount of $100,000.
Last Updated09/15/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Home Equity Loan - First Lien Position
6.50%
-
6.51%
181-240
DetailsRequirements: Terms 181 up to & including 240 mo. with 89% LTV or below; Maximum $250,000; *No Closing Cost Program; For Example: A $100,000 1st position home equity loan with an LTV of 89% for 60 months at 6.009% APR would have a payment amount of $1,933.71 and a finance charge of $16,022.72. Payment does not include amounts for taxes and insurance premiums. Actual payment obligation will be greater.; *All closing costs are waived. If the Home Equity is paid off and closed within three years of loan closing all closing costs will be charged back and added to the payoff amount of the loan, estimated range is between $588 to $1,488 for loans up to $100,000.; **Rates and Terms are subject to change without prior notice. The APR is based upon the maximum allowed at an 89% loan to value (LTV) ratio and a sample loan amount of $100,000.; ***Rates and Terms are subject to change without prior notice. The APR is based upon the maximum term allowed at an 89% loan to value (LTV) ratio and a sample loan amount of $100,000.
Last Updated09/15/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Home Equity Loan - Second Lien Position
6.63%
-
6.63%
121-180
DetailsRequirements: Terms 121 up to & including 180 mo. with 89% LTV or below; Maximum $250,000; *No Closing Cost Program; For Example: A $100,000 1st position home equity loan with an LTV of 89% for 60 months at 6.009% APR would have a payment amount of $1,933.71 and a finance charge of $16,022.72. Payment does not include amounts for taxes and insurance premiums. Actual payment obligation will be greater.; *All closing costs are waived. If the Home Equity is paid off and closed within three years of loan closing all closing costs will be charged back and added to the payoff amount of the loan, estimated range is between $588 to $1,488 for loans up to $100,000.; **Rates and Terms are subject to change without prior notice. The APR is based upon the maximum allowed at an 89% loan to value (LTV) ratio and a sample loan amount of $100,000.; ***Rates and Terms are subject to change without prior notice. The APR is based upon the maximum term allowed at an 89% loan to value (LTV) ratio and a sample loan amount of $100,000.
Last Updated09/15/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Home Equity Loan - Second Lien Position
6.75%
-
6.76%
181-240
DetailsRequirements: Terms 181 up to & including 240 mo. with 89% LTV or below; Maximum $250,000; *No Closing Cost Program; For Example: A $100,000 1st position home equity loan with an LTV of 89% for 60 months at 6.009% APR would have a payment amount of $1,933.71 and a finance charge of $16,022.72. Payment does not include amounts for taxes and insurance premiums. Actual payment obligation will be greater.; *All closing costs are waived. If the Home Equity is paid off and closed within three years of loan closing all closing costs will be charged back and added to the payoff amount of the loan, estimated range is between $588 to $1,488 for loans up to $100,000.; **Rates and Terms are subject to change without prior notice. The APR is based upon the maximum allowed at an 89% loan to value (LTV) ratio and a sample loan amount of $100,000.; ***Rates and Terms are subject to change without prior notice. The APR is based upon the maximum term allowed at an 89% loan to value (LTV) ratio and a sample loan amount of $100,000.
DetailsMinimum $2,500; As Low As; 20% Down Payment
Last Updated09/15/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Marine, Motor Homes, Travel Trailers Loans - Used 2015 and Newer (Titled Only)
-
10.25%
Up to 120 Months
Details$10,000 - $25,000; As Low As; 15% Down Payment
Last Updated09/15/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
FNB of Scotia Personal Loan Rates
Product
APR
Term
View More
Personal Loan with 1st National Deposit Account as Collateral
6.00%
6-60 months
DetailsMinimum Loan: $4,000
Last Updated09/15/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Personal Loan Unsecured
12.00%
6-36 months
DetailsRates as low as; Unsecured
Last Updated09/15/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Unsecured Personal Loan
12.00%
6-36 months
DetailsMinimum Loan: $4,000
Last Updated09/15/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
FNB of Scotia Other Rates
Product
Rate
Points
APY/APR
Term
View More
No PMI Mortgage
7.15%
0
7.28%
30 years
DetailsMaximum Loan to Value: 90%
Last Updated09/15/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
No PMI Mortgage
6.74%
0
6.94%
15 years
DetailsMaximum Loan to Value: 90%
Last Updated09/15/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Financial Health History
FNB of Scotia’s Texas Ratio rose from 8.63% in Q3 2023 to 11.34% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$719M
11.34%
5.0
A
March 31, 2026
$706M
11.14%
5.0
A
December 31, 2025
$699M
11.75%
5.0
A
September 30, 2025
$722M
10.05%
5.0
A
June 30, 2025
$701M
11.49%
5.0
A
March 31, 2025
$690M
11.79%
5.0
A
December 31, 2024
$676M
12.64%
5.0
A
September 30, 2024
$681M
12.81%
5.0
A
June 30, 2024
$665M
13.44%
5.0
A
March 31, 2024
$653M
4.85%
5.0
A+
December 31, 2023
$660M
6.10%
5.0
A
September 30, 2023
$679M
8.63%
5.0
A
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for FNB of Scotia is derived from comprehensive financial data published quarterly by the FDIC.
Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio:
We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation:
We gather FNB of Scotia rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with FNB of Scotia's official website for the most current offers and terms.
Bank Profile & Overview
Institution NameFNB of Scotia
Bank Holding CompanyGLENVILLE BANK HOLDING CO INC
Address
201 Mohawk Ave,
Scotia, NY 12302 · Schenectady
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for FNB of Scotia yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for FNB of Scotia
Frequently Asked Questions About FNB of Scotia
How many branches does FNB of Scotia operate?
FNB of Scotia currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is there a first-time homebuyer program?
Currently, FNB of Scotia does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, FNB of Scotia provides members with tools to manage their accounts and build a solid financial history.
Does FNB of Scotia offer online and mobile banking?
Most modern institutions like FNB of Scotia provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstscotia.com.
Brian McKay
