TellerScore

Ballston Spa National Bank is a national bank headquartered in Ballston Spa, New York, in business for about 188 years. At the end of Q2 2026 it reported $1.4B in total assets and $1.2B in deposits, with 21 offices.

Ballston Spa National Bank has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 13% of its 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 87th. Problem-loan coverage contributes the most (97/100, 1.7%); earnings contributes the least (24/100, 0.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Tier 1 leverage ratio: 8.74%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.23%
Earnings24/100
Return on assets (annualized): 0.09%
Funding & liquidity42/100
Loans ÷ deposits and uninsured-deposit share: 91.1% · 39.8% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.73%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 5 points (60 → 55), mostly because the earnings component weakened by 21 points.

TellerScore
555861Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202457
Q4 202457
Q1 202558
Q2 202560
Q3 202559
Q4 202556
Q1 202661
Q2 202655
Tier 1 leverage ratio
5.00%7.82%10.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.08%
Q3 20248.12%
Q4 20248.41%
Q1 20258.51%
Q2 20258.66%
Q3 20258.36%
Q4 20258.45%
Q1 202610.65%
Q2 20268.74%
Noncurrent loans
0.07%0.17%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.26%
Q3 20240.19%
Q4 20240.15%
Q1 20250.15%
Q2 20250.07%
Q3 20250.12%
Q4 20250.17%
Q1 20260.10%
Q2 20260.23%
Return on assets
0.09%0.36%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.60%
Q4 20240.60%
Q1 20250.63%
Q2 20250.61%
Q3 20250.60%
Q4 20250.55%
Q1 20260.18%
Q2 20260.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$1.4B8.74%0.23%0.09%91.1%
Q1 202661$941.6M10.65%0.10%0.18%97.4%
Q4 202556$928.5M8.45%0.17%0.55%103.7%
Q3 202559$914.2M8.36%0.12%0.60%97.2%
Q2 202560$912.6M8.66%0.07%0.61%108.2%
Q1 202558$898.6M8.51%0.15%0.63%103.0%
Q4 202457$896.3M8.41%0.15%0.60%108.5%
Q3 202457$877.0M8.12%0.19%0.60%97.6%
Q2 202456$858.4M8.08%0.26%0.57%104.2%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.74%
8th
Total risk-based capital14.66%
63rd
Problem loans0.23%
75th
Net charge-offs0.02%
55th
Return on assets0.09%
3rd
Net interest margin3.64%
46th
Efficiency ratio98.1%
1st
Loans to deposits91.1%
37th
Uninsured deposits39.8%
27th
Loan-loss reserves1.18%
56th
Texas ratio1.7%
73rd

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Bank of UticaBank Utica, NY92 out of 100, Very strong$1.5B26.5%0.59%vs

Deposit insurance

Is my money safe at Ballston Spa National Bank?

Yes. Ballston Spa National Bank is an FDIC-insured institution (FDIC certificate #6959). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 39.8% of deposits ($479.3M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.74%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.66% (benchmark: 10%).

Check how much of your own balance is covered

21 locations

Branches

Ballston Spa National Bank lists 21 offices in 20 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Ballston Spa National Bank reported 500 home-loan applications under HMDA (LEI 549300QY4UCP33T94N09): 340 originated ($79,110,000 total), 8 denied, and 46 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Ballston Spa National Bank
Type
National bank
FDIC certificate #
6959
RSSD ID
505
Primary regulator
OCC
Holding company
Ballston Spa Bcorp Inc
Established
January 1, 1838
Headquarters
87 Front St, Ballston Spa, NY 12020
Employees
209

Quick answers

Ballston Spa National Bank: common questions

Is Ballston Spa National Bank FDIC insured?

Yes. Ballston Spa National Bank is an FDIC-insured institution (FDIC certificate #6959). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Ballston Spa National Bank's TellerScore?

55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Ballston Spa National Bank ever failed?

There is no failure record for FDIC certificate #6959 in the FDIC failed bank list.

How many branches does Ballston Spa National Bank have?

21 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Ballston Spa

InstitutionScoreAssetsCapitalProblem loansCompare
Stratton Air National Guard Federal Credit UnionCredit union Scotia, NY94 out of 100, Very strong$920K39.3%0.00%vs
M. C. T. Federal Credit UnionCredit union Amsterdam, NY94 out of 100, Very strong$73.3M14.4%0.41%vs
Troy Federal Credit UnionCredit union Troy, NY80 out of 100, Strong$3.7M15.8%0.33%vs
Bank of GreeneBank Catskill, NY77 out of 100, Strong$3.2B9.9%0.23%vs
Hudson River Community Federal Credit UnionCredit union Corinth, NY77 out of 100, Strong$364.2M15.3%1.17%vs
Chemung Canal Trust Company, National AssociationBank Elmira, NY72 out of 100, Strong$2.8B11.4%0.38%vs