Ballston Spa National Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 94.8% higher than in Q1 2026, at $93.2M. Ballston Spa National Bank ranks 34th of 105 New York banks on loan-to-deposit ratio, in the upper half at 92.22% (Q2 2026). Ballston Spa National Bank reported 92.22% on loan-to-deposit ratio for Q2 2026, 4.01 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $93.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $208.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $17.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.26% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.22% |
| Net loans and leases to deposits | 91.12% |
| Loans and leases to core deposits | 101.58% |
| Core deposits to total deposits | 83.70% |
| Brokered deposits to total deposits | 7.08% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 85.62% | 87.67% | $300K | $30.0M |
| Q4 2023 | 102.80% | 98.18% | $50K | $55.0M |
| Q1 2024 | 99.08% | 93.32% | $50K | $40.0M |
| Q2 2024 | 105.38% | 89.59% | $350K | $77.3M |
| Q3 2024 | 98.70% | 89.48% | $100K | $30.0M |
| Q4 2024 | 109.70% | 88.36% | $100K | $116.5M |
| Q1 2025 | 104.18% | 87.98% | $100K | $74.8M |
| Q2 2025 | 109.44% | 88.17% | $100K | $114.3M |
| Q3 2025 | 98.23% | 89.19% | $0 | $20.0M |
| Q4 2025 | 104.86% | 88.45% | $0 | $74.0M |
| Q1 2026 | 98.46% | 81.27% | $0 | $20.0M |
| Q2 2026 | 92.22% | 83.70% | $0 | $17.3M |
Ballston Spa National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ballston Spa National Bank, freeSource: Call Report Schedules RC and RC-M, 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)