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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 — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q4QoQ -1

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

Quarterly Headline

2024-Q4

Bank #505 2024-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 108.5% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.87% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    — —
  • Reserves
    ↓ 0

The five pillars

Liquidity

WatchQoQ -5
59
Sub-score

Liquidity is deteriorating: brokered 8.6%, loans/deposits 108.5%, cash 2.9% of assets.

Cash / Assets
2.87%
Loans / Deposits
108.47%
Brokered %
8.65%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 108.5% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.87% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.67%
No watch items at this period.

Capitalization

WatchQoQ 0
52
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.26%, CET1 10.26%, leverage 8.00%.

Tier 1 RBC
10.26%
CET1
10.26%
Leverage
8.00%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.16%, Texas Ratio 1.5%, NCO YTD 0.05%.

Adjusted NPL
0.16%
Govt-guarantees stripped
Texas Ratio
1.5%
NCO YTD
0.05%
30-89 PD
0.13%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
87
Sub-score

Reserves are strong: ALLL 1.12% of loans, coverage 727.2%, true coverage 542.5%.

ALLL / Loans
1.12%
Coverage
727.2%
True Loss Coverage
542.5%
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