Ballston Spa National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ballston Spa National Bank of Ballston Spa, NY against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.02% | 1.44% | -1.42% | 3rd bottom |
| ROAE | 0.20% | 12.52% | -12.32% | 3rd bottom |
| Net Interest Margin | 3.56% | 3.84% | -0.28% | 39th below |
| Efficiency Ratio | 102.73% | 58.82% | +43.91% | 2nd bottom |
| PPNR / Avg Assets | -0.12% | 1.78% | -1.90% | 2nd bottom |
| Yield on Earning Assets | 5.35% | 5.71% | -0.36% | 38th below |
| Cost of Funds | 2.16% | 2.03% | +0.13% | 39th below |
| Net Interest Spread | 2.48% | 3.18% | -0.70% | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.19% | 0.97% | -0.78% | 82nd top |
| NPA / Total Assets | 0.15% | 0.75% | -0.60% | 81st top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.31% | -0.28% | 47th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.18% | 1.25% | -0.07% | 55th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 632.85% | 698.91% | -66.06% | 85th top |
| Texas Ratio | 1.84% | 7.17% | -5.33% | 79th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 160.71% | 815.40% | -654.69% | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.52% | 17.41% | -4.89% | 33rd below |
| Tier 1 Ratio | 12.52% | 17.45% | -4.93% | 33rd below |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.66% | 18.50% | -3.84% | 50th above |
| Leverage Ratio | 8.74% | 11.60% | -2.86% | 7th bottom |
| Equity / Assets | 9.59% | 11.33% | -1.74% | 34th below |
| TCE / Tangible Assets | 9.01% | 10.65% | -1.64% | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.22% | 86.35% | +5.87% | 37th below |
| Core Deposit Ratio | 83.70% | 85.56% | -1.86% | 30th below |
| Uninsured Deposit Ratio | 39.83% | 32.70% | +7.13% | 27th below |
| Wholesale Funding Ratio | 1.26% | 5.46% | -4.20% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 50.06% | 10.41% | +39.65% | 98th top |
| Loan Growth (Y/Y) | 42.06% | 7.96% | +34.10% | 97th top |
| Deposit Growth (Y/Y) | 68.58% | 7.91% | +60.67% | 99th top |
See Ballston Spa National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ballston Spa National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Ballston Spa National Bank profile, how to read a UBPR, or how this data updates.