Side-by-side · Q2 2026 data
Ballston Spa National Bank vs Solvay Bank
Metric by metric
| Measure | Ballston Spa National Bank | Solvay Bank |
|---|---|---|
| TellerScore | 55 | 67 (stronger) |
| Capital cushion | 37 | 45 (stronger) |
| Loan quality | 92 | 96 (stronger) |
| Earnings | 24 | 50 (stronger) |
| Funding & liquidity | 42 | 64 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 13th | 44th |
| Total assets | $1.4B | $1.2B |
| Deposits / shares | $1.2B | $1.1B |
| Capital ratio | 8.74% | 9.53% (stronger) |
| Problem loans | 0.23% | 0.11% (stronger) |
| Net charge-offs | 0.02% | -0.01% (stronger) |
| Return on assets | 0.09% | 0.76% (stronger) |
| Loans ÷ deposits | 91.1% | 69.9% (stronger) |
| Uninsured deposits | 39.8% | 38.2% (stronger) |
| Offices | 21 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | 6.3% |
Solvay Bank has the higher TellerScore (67 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Ballston Spa National Bank leads on 0 and Solvay Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.