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 Saratoga National Bank and Trust
Saratoga National Bank and Trust
| RSSD ID 1211371 | CERTIFICATE 27290 | ABA NUMBER 21311529 |
| 139 Broadway |
Quarter Ended : |
2024-09-30 |
| Saratoga Springs, New York, 12866 |
Updated : |
2024-10-30 |
| www.saratoganational.com |
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| Institution Profile |
| Year Opened : |
1988 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Statistical Area (MSA) : |
Albany-Schenectady-Troy, NY |
| Number of Offices : |
11 |
Number of Employees : |
56 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,155,008 |
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Total Interest Income | 39,807 |
| Total Liabilities | 1,053,978 |
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Total NonInterest Income | 3,883 |
| Total Bank Equity Capital | 101,030 |
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Total Interest Expense | 21,988 |
| Total Deposits | 719,801 |
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Total NonInterest Expense | 11,235 |
| Net Loans & Leases | 963,836 |
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Net Income | 6,790 |
| Loan Loss Allowance | 10,052 |
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Net Charge Offs | 1,022 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 117,924 |
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Total loans | 953,047 |
| Total assets for the leverage ratio | 1,140,363 |
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Loans secured by real estate: | 619,722 |
| Tier 1 Leverage Ratio | 9.41 |
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Commercial and industrial loans | 50,135 |
| Tier 1 Capital Ratio | 12.04 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 13.24 |
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Loans to individuals - Other | 276,399 |
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:· Saratoga National Bank and Trust
