Saratoga National Bank and Trust
Saratoga Springs, NY
IDRSSD: 1211371
Total Assets
$1.16B
Latest filing
Total Deposits
$719.80M
Latest filing
Net Interest Margin
2.35%
Profitability
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 | 07/01/1988 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 12866 |
| 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 | Institution closed or not insured by FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Albany-Schenectady-Troy, NY |
Operational Info
| Number of Employees | 56 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/31/2024 |
| Date of Deposit Insurance | 07/01/1988 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 27290 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.16B |
| Total Deposits | $719.80M |
| Total Liabilities | $1.05B |
| Total Equity Capital | $101.03M |
| Net Income | $2.39M |
| Net Loans and Leases | $963.84M |
| Assets Per Employee ($Millions) | $20.63M |
| Bank Premises and Fixed Assets | $10.93M |
| Cash and Balances due from Depository Institutions | $39.30M |
| Deposits Held in Domestic Offices | $719.80M |
Key Performance Ratios
| Return on Assets (ROA) | 0.84% |
| Return on Equity (ROE) | 9.69% |
| Net Interest Margin | 2.35% |
| Efficiency Ratio | 49.55% |
| Tier 1 Risk-Based Capital Ratio | 12.045% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.23% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.747% |
| Earning Assets to total Assets | 96.27% |
Income and Expense
| Total Interest Income | $14.03M |
| Total Noninterest Income | $1.05M |
| Total Interest Expense | $7.62M |
| Total Noninterest Expense | $3.70M |
| Net Interest Income | $6.41M |
| Pre-tax Net Operating Income | $3.12M |
| Provision for Credit Losses | $648.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $52.24M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $265.00M |
| All Other Liabilities | $16.93M |
| Total Liabilities and Capital | $1.16B |
Securities
| Securities | $117.81M |
| Available-for-sale debt securities | $105.27M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $12.55M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Saratoga National Bank and Trust?
$1.16B as of the latest filing.
How much are Saratoga National Bank and Trust's total deposits?
$719.80M in total deposits.
Where is Saratoga National Bank and Trust located?
Saratoga Springs, NY.
What is the Net Interest Margin?
2.35%.
How many domestic offices does it operate?
11.
When was it established?
07/01/1988.
What is the Return on Assets (ROA)?
0.84%.
How much are total loans and leases?
$963.84M (latest filing).
What is the total interest income (latest filing)?
$14.03M.