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	10/31/2025
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	$0
Net Income	$1.57M
Net Loans and Leases	$784.71M
Assets Per Employee ($Millions)	$0M
Bank Premises and Fixed Assets	$0
Cash and Balances due from Depository Institutions	$0
Deposits Held in Domestic Offices	$0

Key Performance Ratios

Return on Assets (ROA)	0%
Return on Equity (ROE)	0%
Net Interest Margin	0%
Efficiency Ratio	0%
Tier 1 Risk-Based Capital Ratio	0%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	0%
Earning Assets to total Assets	0%

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	$0
Provision for Credit Losses	$0
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	$0
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$0
Total Liabilities and Capital	$0

Securities

Securities	$0
Available-for-sale debt securities	$0
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

About Ballston Spa National Bank

Explore the latest call report data for Ballston Spa National Bank. Review total assets, deposits, income and expense breakdowns, and trends over time. Compare with similar institutions in the same city, state, and asset tier.

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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?

Not available.

Is this bank FDIC insured?

Institutions that are currently open and insured by the FDIC.

How many domestic offices does it operate?

13.

When was it established?

01/01/1838.

Who is the primary regulator?

OCC.