State Bank of Scotia

Scotia, NebraskaFDIC Cert #14069

STATEEstablished 19341 branch

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$0
Investor CRE	$1.6M
Multifamily	$0
Construction	$0
1–4 family	$2.93M
C&I	$1.35M
Agriculture	$20.9M
Other	$1.04M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$27.8M

−14.5%y/y

Percentile by value44th percentileby value

FDICLNLSGR

Net loans

$27.1M

−14.4%y/y

Percentile by value44th percentileby value

FDICLNLSNET

Loans YoY

−14.36%

−75.4%y/y

Percentile by value4th percentileby value

FDICLNLSNET

L/D

55.1%

−11.8%y/y

Percentile by value35th percentileby value

FDICLNLSNET + DEP

Loans/assets

43.9%

−12.3%y/y

Percentile by value37th percentileby value

FDICLNLSNET + ASSET

RE loans %

51.60%

+6.1%y/y

Percentile by value27th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

13%

−11.1%y/y

Percentile by value38th percentileby value

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Percentile by value0th percentileby value

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

3,002points

+2.5%y/y

Peer standing41st percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

0.00%

Percentile by value0th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

5.74%

+3.4%y/y

Percentile by value61st percentileby value

FDICLNRENROT + LNLSGR

C&I %

4.86%

−25.9%y/y

Percentile by value27th percentileby value

FDICLNCI + LNLSGR