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Ballston Spa National Bank

IDRSSD: 505
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2023-Q4QoQ -6

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #505 2023-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.6% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.72% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -6 ptscomposite
  • Liquidity
    ↓ -29
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -29
68
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 101.6%, cash 2.7% of assets.

Cash / Assets
2.72%
Loans / Deposits
101.63%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.6% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.72% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.19%
No watch items at this period.

Capitalization

WatchQoQ -1
58
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.37%, CET1 10.37%, leverage 7.73%.

Tier 1 RBC
10.37%
CET1
10.37%
Leverage
7.73%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.18%, Texas Ratio 1.7%, NCO YTD 0.00%.

Adjusted NPL
0.18%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
0.00%
30-89 PD
0.22%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
88
Sub-score

Reserves are strong: ALLL 1.14% of loans, coverage 642.0%, true coverage 539.1%.

ALLL / Loans
1.14%
Coverage
642.0%
True Loss Coverage
539.1%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 13:55:31 UTC