Side-by-side · Q2 2026 data
Ballston Spa National Bank vs Ulster Savings Bank
Metric by metric
| Measure | Ballston Spa National Bank | Ulster Savings Bank |
|---|---|---|
| TellerScore | 55 (stronger) | 53 |
| Capital cushion | 37 | 48 (stronger) |
| Loan quality | 92 (stronger) | 49 |
| Earnings | 24 | 42 (stronger) |
| Funding & liquidity | 42 | 70 (stronger) |
| Problem-loan coverage | 97 (stronger) | 76 |
| Peer percentile | 13th | 11th |
| Total assets | $1.4B | $1.4B |
| Deposits / shares | $1.2B | $1.2B |
| Capital ratio | 8.74% | 9.79% (stronger) |
| Problem loans | 0.23% (stronger) | 1.54% |
| Net charge-offs | 0.02% (stronger) | 0.03% |
| Return on assets | 0.09% | 0.55% (stronger) |
| Loans ÷ deposits | 91.1% | 83.6% (stronger) |
| Uninsured deposits | 39.8% | 20.7% (stronger) |
| Offices | 21 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
Ballston Spa National Bank has the higher TellerScore (55 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Ballston Spa National Bank leads on 3 and Ulster Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.