Side-by-side · Q2 2026 data
Ballston Spa National Bank vs Bank of Utica
Metric by metric
| Measure | Ballston Spa National Bank | Bank of Utica |
|---|---|---|
| TellerScore | 55 | 92 (stronger) |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 92 (stronger) | 80 |
| Earnings | 24 | 100 (stronger) |
| Funding & liquidity | 42 | 79 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 13th | 99th |
| Total assets | $1.4B | $1.5B |
| Deposits / shares | $1.2B | $1.1B |
| Capital ratio | 8.74% | 26.49% (stronger) |
| Problem loans | 0.23% (stronger) | 0.59% |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 0.09% | 4.80% (stronger) |
| Loans ÷ deposits | 91.1% | 14.3% (stronger) |
| Uninsured deposits | 39.8% | 34.5% (stronger) |
| Offices | 21 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
Bank of Utica has the higher TellerScore (92 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Ballston Spa National Bank leads on 1 and Bank of Utica on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.