Ballston Spa National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 6.24 percentage points lower than in Q1 2026, at 92.22%. Within New York, Ballston Spa National Bank is 34th of 105 on loan-to-deposit ratio, 92.22% as of Q2 2026, above the middle of the field. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.11B |
| Net loans and leases | $1.10B |
| Loans held for sale | $0 |
| Loans to total assets | 81.03% |
| Loan-to-deposit ratio | 92.22% |
| Net loans to equity capital | 8.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.21% |
| Multifamily (5+ residential) | 13.92% |
| Commercial and industrial | 3.58% |
| Consumer | 6.26% |
| Credit cards | 0.00% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.36% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 293.01% |
| Construction concentration (Tier 1 capital + allowance) | 24.39% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.44% |
| Interest income on loans | $15.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $684.0M | $798.9M | 24.91% | 3.31% | 6.08% |
| Q4 2023 | $708.9M | $689.6M | 24.84% | 3.44% | 6.12% |
| Q1 2024 | $726.0M | $732.8M | 24.95% | 3.05% | 6.53% |
| Q2 2024 | $741.3M | $703.4M | 25.13% | 3.28% | 7.06% |
| Q3 2024 | $756.6M | $766.6M | 24.37% | 3.18% | 7.16% |
| Q4 2024 | $764.0M | $696.5M | 25.46% | 3.28% | 7.24% |
| Q1 2025 | $772.1M | $741.1M | 26.34% | 3.24% | 7.33% |
| Q2 2025 | $781.2M | $713.9M | 26.46% | 3.25% | 7.50% |
| Q3 2025 | $793.4M | $807.6M | 26.09% | 3.44% | 7.62% |
| Q4 2025 | $803.2M | $766.0M | 25.64% | 3.52% | 7.91% |
| Q1 2026 | $801.2M | $813.8M | 25.87% | 3.43% | 8.13% |
| Q2 2026 | $1.11B | $1.20B | 27.21% | 3.58% | 6.26% |
Ballston Spa National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ballston Spa National Bank, freeSource: Call Report Schedule RC-C, 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)