Ballston Spa National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Common stock surplus climbed 89.3% in Q2 2026, from $38.4M to $72.7M. It was the largest change from Q1 2026 among the key lines here. Within New York, Ballston Spa National Bank is 72nd of 82 on CET1 ratio, 12.52% as of Q2 2026, below the middle of the field. Ballston Spa National Bank reported 12.52% on CET1 ratio for Q2 2026, 0.95 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.52% |
| Tier 1 risk-based capital ratio | 12.52% |
| Total risk-based capital ratio | 14.66% |
| Tier 1 leverage ratio | 8.74% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $125.4M |
| Tier 1 capital | $125.4M |
| Total risk-based capital | $146.8M |
| Total equity capital | $131.4M |
| Risk-weighted assets | $1.00B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.59% |
| Tangible equity to tangible assets | 9.01% |
| Equity capital to average assets | 9.12% |
| Internal capital growth rate | -3.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.5M |
| Common stock surplus | $72.7M |
| Retained earnings | $52.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $76K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.52% | 10.52% | 11.77% | 7.97% | $619.1M |
| Q4 2023 | 10.68% | 10.68% | 11.93% | 7.98% | $633.2M |
| Q1 2024 | 10.23% | 10.23% | 11.48% | 8.14% | $651.1M |
| Q2 2024 | 10.26% | 10.26% | 11.51% | 8.08% | $661.4M |
| Q3 2024 | 10.22% | 10.22% | 11.48% | 8.12% | $673.7M |
| Q4 2024 | 10.78% | 10.78% | 12.03% | 8.41% | $680.8M |
| Q1 2025 | 10.86% | 10.86% | 12.11% | 8.51% | $689.2M |
| Q2 2025 | 10.81% | 10.81% | 12.03% | 8.66% | $704.2M |
| Q3 2025 | 10.67% | 10.67% | 11.91% | 8.36% | $709.1M |
| Q4 2025 | 10.63% | 10.63% | 11.86% | 8.45% | $720.6M |
| Q1 2026 | 13.46% | 13.46% | 14.71% | 10.65% | $718.8M |
| Q2 2026 | 12.52% | 12.52% | 14.66% | 8.74% | $1.00B |
Ballston Spa National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ballston Spa National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Ballston Spa National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6959) · FFIEC NIC profile (RSSD 505)