Ballston Spa National Bank
Ballston Spa, NY
IDRSSD: 505
Total Assets
$914.21M
Latest filing
Total Deposits
$807.70M
Latest filing
Net Interest Margin
3.07%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Ballston Spa National Bank
87 Front St
Ballston Spa, NY 12020
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1838FDIC Certificate 4666
Branches (12)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Ballston Spa National Bank (Main) | 87 Front St | Ballston Spa, NY |
| CLIFTON PARK BRANCH | 1714 Route 9 | Clifton Park, NY |
| BURNT HILLS BRANCH | 770 Saratoga Rd | Burnt Hills, NY |
| MILTON CREST BRANCH | 344 Rowland Street | Milton, NY |
| GALWAY BRANCH | 5091 Sacandaga Rd | Galway, NY |
| MALTA BRANCH | 124 Dunning St | Malta, NY |
| GREENFIELD CENTER BRANCH | 3060 Route 9n | Greenfield Center, NY |
| STILLWATER BRANCH | 428 Hudson Ave | Stillwater, NY |
Showing 7 of 12
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1838 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 12020 |
| State and County Number | 36091 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 02 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Albany-Schenectady-Troy, NY |
Operational Info
| Number of Employees | 137 |
| Domestic Offices | 13 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | https://ww.bsnb.com |
| Data Updated | 11/14/2025 |
| CERT | 6959 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $914.21M |
| Total Deposits | $807.70M |
| Total Liabilities | $838.51M |
| Total Equity Capital | $75.70M |
| Net Income | $1.57M |
| Net Loans and Leases | $784.71M |
| Assets Per Employee ($Millions) | $6.87M |
| Bank Premises and Fixed Assets | $11.41M |
| Cash and Balances due from Depository Institutions | $20.44M |
| Deposits Held in Domestic Offices | $807.70M |
Key Performance Ratios
| Return on Assets (ROA) | 0.69% |
| Return on Equity (ROE) | 8.41% |
| Net Interest Margin | 3.07% |
| Efficiency Ratio | 72.74% |
| Tier 1 Risk-Based Capital Ratio | 10.463% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.275% |
| Earning Assets to total Assets | 94.25% |
Income and Expense
| Total Interest Income | $11.03M |
| Total Noninterest Income | $1.03M |
| Total Interest Expense | $4.40M |
| Total Noninterest Expense | $5.58M |
| Net Interest Income | $6.63M |
| Pre-tax Net Operating Income | $1.91M |
| Provision for Credit Losses | $180.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $20.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $10.81M |
| Total Liabilities and Capital | $914.21M |
Securities
| Securities | $73.06M |
| Available-for-sale debt securities | $73.06M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Ballston Spa National Bank?
$914.21M as of the latest filing.
How much are Ballston Spa National Bank's total deposits?
$807.70M in total deposits.
Where is Ballston Spa National Bank located?
Ballston Spa, NY.
What is the Net Interest Margin?
3.07%.
How many domestic offices does it operate?
13.
When was it established?
01/01/1838.
What is the Return on Assets (ROA)?
0.69%.
How much are total loans and leases?
$784.71M (latest filing).
What is the total interest income (latest filing)?
$11.03M.