BALLSTON SPA NATIONAL BANK

BALLSTON SPA, NY | Medium | Est. Jan. 1, 1838, midnight | FDIC #6959 | RSSD #505 | OCC
Latest Report: 2025-12-31

BALLSTON SPA NATIONAL BANK is amn medium FDIC-insured commercial bank headquartered in BALLSTON SPA, NY, established in Jan. 1, 1838, midnight. As of 2025-12-31, the bank reported total assets of $929M and total deposits of $766M. Profitability stands at -0.01% ROA and -0.16% ROE, with a net interest margin of 3.21%. The bank's CET1 capital ratio is 10.63%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.08% and a Texas Ratio of 0.76%. FDIC Certificate #6959.

Assets

$929M

Deposits

$766M

Loans

$803M

Equity

$78M

Profitability

Return on Assets (ROA) -0.01%
Return on Equity (ROE) -0.16%
Net Interest Margin (NIM) 3.21%
Yield on Assets 5.17%
Cost of Funds 1.99%

Asset Quality

NPL Ratio 0.08%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.76%
NPA Ratio 0.07%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 10.63%
Tier 1 Capital 10.63%
Total Capital Ratio 11.86%
Leverage Ratio 8.45%
Loan-to-Deposit 104.86%

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