Ballston Spa National Bank
BankRegReports is independent of Ballston Spa National Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Ballston Spa National Bank is an FDIC-insured commercial bank headquartered in Ballston Spa, NY, established in 1838 (FDIC certificate 6959), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.37B, up 50.1% from Q2 2025, the 46th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 12.52% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6959
- Headquarters
- Ballston Spa, NY
- Established
- 1838
- Total assets, Q2 2026
- $1.37B
- Assets vs Q2 2025
- +50.1%
- CET1 ratio, Q2 2026
- 12.52%
- Domestic offices
- 21 FDIC institution directory, current count
- Routing number
- 021304675
- Latest call report
- Q2 2026, FFIEC 051 · Ballston Spa National Bank call report
- Holding company
- BALLSTON SPA BANCORP, INC.
- Asset rank in state
- 46th of 105 in New York
Ballston Spa National Bank spends more to run itself than most banks of its size. The Ballston Spa, New York bank had $1.4 billion in assets at June 30, 2026, up 50.1% from a year earlier. It earns about $0.02 a year on every $100 of assets, a small fraction of the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 103 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Earnings fell sharply: quarterly net income of $57,000 was 96% below a year earlier. The non-owner-occupied commercial real estate book ($211 million) is worsening: 1.50% of it is past due or on nonaccrual, up from 0.27% a year earlier. Where it has less room is capital: it funds 8.74% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
As of June 30, 2026, Ballston Spa National Bank reported a CET1 capital ratio of 12.52%, a return on assets of 0.02%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 1.84%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, Ballston Spa National Bank is the 46th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 45.4% to $1.37B, loans rose 38.5% and deposits rose 47.9%. 1-4 family residential loans made up 45.6% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 19.0%. Its 21 offices in the FDIC Summary of Deposits are in 20 cities in NY; its Ballston Spa 2 offices book 24% of its branch deposits. Judged on its Q2 2026 call report, Ballston Spa National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 87 Front St, Ballston Spa, NY 12020
- County
- Saratoga
- Metro Area
- Albany-Schenectady-Troy, NY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1838
- Domestic offices
- 21 FDIC institution directory, current count
- Employees (FTE)
- 209
- Domestic deposits
- $1.20B
- Allowance for credit losses
- $13.1M
- Net charge-offs (YTD)
- $112K
- Average total assets
- $1.44B
- Average total loans
- $1.14B
- Average interest-bearing deposits
- $851.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6959
- Fed RSSD
- 505
- SEC CIK
- 2094107 → filed by BALLSTON SPA BANCORP, INC.
- Website
- www.nbcoxsackie.com →
- Parent Holding Company
- BALLSTON SPA BANCORP, INC. (RSSD 1048728) · BSPA
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Ballston Spa National Bank's total assets moved between a low of $821.3M (Q4 2023) and a high of $1.37B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.37B total assets against $912.6M; $1.24B total liabilities against $835.1M.
$1.10B net loans and leases against $772.7M; $1.20B total deposits against $713.9M.
$115.0M securities against $76.8M; $93.2M cash and balances due against $23.6M.
$17.5M total interest income against $10.5M; $5.9M total interest expense against $4.1M.
$11.6M net interest income against $6.4M.
$1.6M total noninterest income against $971K; $13.7M total noninterest expense against $5.6M.
$0 provision for credit losses against $150K.
$57K net income against $1.4M.
0.02% return on assets against 0.62%; 3.56% net interest margin against 3.02%.
12.52% CET1 capital ratio against 10.81%; 8.74% tier 1 leverage ratio against 8.66%.
Inside the full Ballston Spa National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Ballston Spa National Bank rankings
Its closest position to the top of a national ranking is 798 of 4,196, for total assets; its furthest is 3,558 of 3,606, for efficiency ratio.
Banks merged into Ballston Spa National Bank
- The National Bank of Coxsackie, effective April 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.02% (Q2 2026) to 0.66% (Q3 2024) and its net interest margin ran from 2.93% (Q4 2024) to 3.56% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.52% | 0.02% | 0.23% | 1.84% | 3.56% |
| Q1 2026 | 13.46% | 0.19% | 0.10% | 0.74% | 3.15% |
| Q4 2025 | 10.63% | 0.40% | 0.17% | 1.63% | 3.14% |
| Q3 2025 | 10.67% | 0.59% | 0.12% | 1.10% | 3.04% |
| Q2 2025 | 10.81% | 0.62% | 0.07% | 0.69% | 3.02% |
| Q1 2025 | 10.86% | 0.64% | 0.15% | 1.35% | 3.07% |
| Q4 2024 | 10.78% | 0.60% | 0.15% | 1.45% | 2.93% |
| Q3 2024 | 10.22% | 0.66% | 0.19% | 1.91% | 2.94% |
Swipe the table sideways to see every column.
Branch Network
View all 21 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ballston Spa National Bank (main office) | Ballston Spa , NY | 12020 | $242.2M |
| The National Bank of Coxsackie Branch | Coxsackie , NY | 12051 | $97.5M |
| Burnt Hills Branch | Burnt Hills , NY | 12027 | $91.1M |
| Greenville Branch | Greenville , NY | 12083 | $75.6M |
| Malta Branch | Malta , NY | 12020 | $61.0M |
| Ravena Branch | Ravena , NY | 12143 | $58.1M |
| Galway Branch | Galway , NY | 12074 | $54.6M |
| Milton Crest Branch | Milton , NY | 12020 | $52.8M |
| Stillwater Branch | Stillwater , NY | 12170 | $49.9M |
| Clifton Park Branch | Clifton Park , NY | 12065 | $44.6M |
| Cairo Branch | Cairo , NY | 12413 | $44.1M |
| Corporate Office Branch | Ballston Spa , NY | 12020 | $43.7M |
| West Coxsackie Branch | West Coxsackie , NY | 12192 | $43.0M |
| Middleburgh Branch | Middleburgh , NY | 12122 | $40.0M |
| Voorheesville Br | Voorheesville , NY | 12186 | $36.3M |
| Wilton Office | Wilton , NY | 12866 | $35.0M |
| Athens Branch | Athens , NY | 12015 | $32.8M |
| Greenfield Center Branch | Greenfield Center , NY | 12833 | $26.9M |
| Latham Office Branch | Latham , NY | 12110 | $25.9M |
| Guilderland Branch | Albany , NY | 12203 | $24.2M |
| Glenmont Branch | Glenmont , NY | 12077 | $24.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2026 | Structure Change | Acquired The National Bank of Coxsackie Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- June 28, 2001, OCC: Formal Agreement: Ballston Spa National Bank
- Period: Most recent institution action June 28, 2001. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 73 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 502 applications, 340 loans originated, $79.1M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $327K approved, $164K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Ballston Spa National Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Ballston Spa National Bank
What are Ballston Spa National Bank's total assets?
As of the Q2 2026 filing, Ballston Spa National Bank reported total assets of $1.37 billion in its FFIEC call report.
Where is Ballston Spa National Bank headquartered?
It is headquartered in Ballston Spa, NY, United States.
When was Ballston Spa National Bank founded?
It was established in 1838, per the FDIC institution directory.
Is Ballston Spa National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6959). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ballston Spa National Bank?
Ballston Spa National Bank's primary federal regulator is the OCC.
What is Ballston Spa National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.52% in its Q2 2026 call report, above regulatory requirements.
How many branches does Ballston Spa National Bank operate?
It operates 21 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ballston Spa National Bank's Texas Ratio?
Its Texas Ratio is 1.84% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Ballston Spa National Bank.
Get an email when Ballston Spa National Bank files its next call report, and benchmark it against any peer you choose.
Unlock Ballston Spa National Bank, freeFree account