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Ballston Spa National Bank
Ballston Spa, NY · FDIC Certificate #6959 · Chartered 01/0
Total assets
$1.37B
Total deposits
$1.20B
Total equity
$131.44M
Net loans
$1.10B
Branches (offices)
21
Net income (YTD)
$481.00K
Rank: #806 of 4,213 U.S. banks by assets · #52 of 115 in New York. Assets changed 50.1% and deposits 68.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.09% |
| Return on equity | 0.94% |
| Net interest margin (YTD) | 3.64% |
| Equity to assets | 9.60% |
| Tier 1 leverage ratio | 8.74% |
| Uninsured deposits (share of deposits) | 39.8% |
| Noncurrent loans (share of loans) | 0.23% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 91.1% |
| Real estate loans (share of loans) | 90.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $996.53M | 90.9% | |
| Commercial & industrial | $39.71M | 3.6% | |
| Consumer / individual | $69.54M | 6.3% | |
| Construction & development | $33.80M | 3.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $734.05M | $653.13M | $2.99M | $61.81M |
| Jun 2023 | $798.42M | $624.53M | $2.82M | $61.79M |
| Jun 2024 | $858.42M | $703.42M | $2.40M | $67.45M |
| Jun 2025 | $912.61M | $713.86M | $2.77M | $77.46M |
| Jun 2026 | $1.37B | $1.20B | $481.00K | $131.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $1.20B | 21 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.20B.
Similar-sized banks
Southstar Bank, S.S.B. ($1.37B) · Truxton Trust Company ($1.37B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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