Side-by-side · Q2 2026 data
Ballston Spa National Bank vs Greene County Commercial Bank
Metric by metric
| Measure | Ballston Spa National Bank | Greene County Commercial Bank |
|---|---|---|
| TellerScore | 55 | 73 (stronger) |
| Capital cushion | 37 | 51 (stronger) |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 24 | 75 (stronger) |
| Funding & liquidity | 42 | 50 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 13th | 70th |
| Total assets | $1.4B | $1.3B |
| Deposits / shares | $1.2B | $1.2B |
| Capital ratio | 8.74% | 10.05% (stronger) |
| Problem loans | 0.23% | 0.00% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.09% | 1.37% (stronger) |
| Loans ÷ deposits | 91.1% | 0.0% (stronger) |
| Uninsured deposits | 39.8% (stronger) | 88.8% |
| Offices | 21 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
Greene County Commercial Bank has the higher TellerScore (73 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Ballston Spa National Bank leads on 1 and Greene County Commercial Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.