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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 — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2025-Q4QoQ 0

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

Quarterly Headline

2025-Q4

Bank #505 2025-Q4 Vital Signs Score: 80/100 — overall stable. 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 103.7% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    — —
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -2
62
Sub-score

Liquidity is stable: brokered 7.9%, loans/deposits 103.7%, cash 3.0% of assets.

Cash / Assets
3.03%
Loans / Deposits
103.72%
Brokered %
7.88%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.7% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.32%
No watch items at this period.

Capitalization

WatchQoQ +3
58
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.63%, CET1 10.63%, leverage 8.44%.

Tier 1 RBC
10.63%
CET1
10.63%
Leverage
8.44%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.18%, Texas Ratio 1.6%, NCO YTD 0.02%.

Adjusted NPL
0.18%
Govt-guarantees stripped
Texas Ratio
1.6%
NCO YTD
0.02%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.09%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
86
Sub-score

Reserves are strong: ALLL 1.09% of loans, coverage 627.2%, true coverage 544.1%.

ALLL / Loans
1.09%
Coverage
627.2%
True Loss Coverage
544.1%
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