What is Ballston Spa National Bank's financial health grade?

Ballston Spa National Bank has a TFS Financial Health Grade of D (score: 65.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Ballston Spa National Bank have?

Ballston Spa National Bank has 13 branch locations across the United States.

Is Ballston Spa National Bank FDIC insured?

Yes, Ballston Spa National Bank is FDIC insured (Certificate #6959).

What are the total assets of Ballston Spa National Bank?

Ballston Spa National Bank has total assets of $928.5M as reported in its most recent FDIC filing.

Ballston Spa National Bank

BankBallston Spa, New York

https://ww.bsnb.com

Total Assets

$928.5M

Total Deposits

$766.0M

Branches

Established

1838

TFS Health Grade

65.5 / 100

Below average financial health

How we grade

Ballston Spa National Bank is a bank headquartered in Ballston Spa, New York, established in 1838. With $928.5M in total assets and 13 branch locations, it has a TFS Financial Health Grade of D (65.5/100).

Capital & Safety

Tier 1 Capital Ratio

8.45%(8%)

Total Capital Ratio

11.86%(10%)

Non-Performing Loan Ratio

0.17%

Profitability

Return on Assets (ROA)

0.55%(1%)

Return on Equity (ROE)

6.55%(10%)

Net Interest Margin

3.06%

Efficiency Ratio

78.19%(60%)

Lending & Liquidity

Total Loans

$803.2M

Loan-to-Deposit Ratio

103.72%

Net Charge-Off Ratio

0.05%

Growth

Asset Growth (YoY)

+3.59%

Deposit Growth (YoY)

+9.98%

Net Income

$5.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Ballston Spa National BankHQ	87 Front St	Ballston Spa	NY	11
Ballston Spa National Bank	1973 Western Ave	Albany	NY	11
Ballston Spa National Bank	990 State Route 67	Ballston Spa	NY	11
Ballston Spa National Bank	770 Saratoga Rd	Burnt Hills	NY	11
Ballston Spa National Bank	1714 Route 9	Clifton Park	NY	11
Ballston Spa National Bank	5091 Sacandaga Rd	Galway	NY	11
Ballston Spa National Bank	3060 Route 9n	Greenfield Center	NY	11
Ballston Spa National Bank	1202 Troy Schenectady Road	Latham	NY	11
Ballston Spa National Bank	124 Dunning St	Malta	NY	11
Ballston Spa National Bank	344 Rowland Street	Milton	NY	11
Ballston Spa National Bank	428 Hudson Ave	Stillwater	NY	11
Ballston Spa National Bank	13 Maple Rd	Voorheesville	NY	11
Ballston Spa National Bank	Route 9	Wilton	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.