Side-by-side · Q2 2026 data
Ballston Spa National Bank vs First Central Savings Bank
Metric by metric
| Measure | Ballston Spa National Bank | First Central Savings Bank |
|---|---|---|
| TellerScore | 55 | 57 (stronger) |
| Capital cushion | 37 | 53 (stronger) |
| Loan quality | 92 (stronger) | 60 |
| Earnings | 24 | 59 (stronger) |
| Funding & liquidity | 42 | 47 (stronger) |
| Problem-loan coverage | 97 (stronger) | 69 |
| Peer percentile | 13th | 16th |
| Total assets | $1.4B | $1.0B |
| Deposits / shares | $1.2B | $891.0M |
| Capital ratio | 8.74% | 10.30% (stronger) |
| Problem loans | 0.23% (stronger) | 1.19% |
| Net charge-offs | 0.02% | -0.01% (stronger) |
| Return on assets | 0.09% | 0.97% (stronger) |
| Loans ÷ deposits | 91.1% (stronger) | 99.7% |
| Uninsured deposits | 39.8% | 27.5% (stronger) |
| Offices | 21 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | 1.1% |
First Central Savings Bank has the higher TellerScore (57 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Ballston Spa National Bank leads on 2 and First Central Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.