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 Ballston Spa National Bank
Ballston Spa National Bank
| RSSD ID 505 | CERTIFICATE 6959 | ABA NUMBER 21304675 |
| 87 Front St |
Quarter Ended : |
2025-06-30 |
| Ballston Spa, New York, 12020 |
Updated : |
2025-07-29 |
| https://ww.bsnb.com |
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| Institution Profile |
| Year Opened : |
1838 |
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 : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
13 |
Number of Employees : |
137 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 912,610 |
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Total Interest Income | 20,871 |
| Total Liabilities | 838,682 |
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Total NonInterest Income | 1,821 |
| Total Bank Equity Capital | 73,876 |
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Total Interest Expense | 7,927 |
| Total Deposits | 713,857 |
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Total NonInterest Expense | 11,097 |
| Net Loans & Leases | 772,723 |
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Net Income | 2,773 |
| Loan Loss Allowance | 8,488 |
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Net Charge Offs | 358 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 81,206 |
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Total loans | 770,168 |
| Total assets for the leverage ratio | 879,017 |
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Loans secured by real estate: | 672,756 |
| Tier 1 Leverage Ratio | 8.26 |
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Commercial and industrial loans | 24,081 |
| Tier 1 Capital Ratio | 10.31 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 11.53 |
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Loans to individuals - Other | 57,386 |
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:· Ballston Spa National Bank
