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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 : |
2025-09-30 |
| Ballston Spa, New York, 12020 |
Updated : |
2025-10-16 |
| 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 : |
133 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 914,207 |
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Total Interest Income | 31,898 |
| Total Liabilities | 838,508 |
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Total NonInterest Income | 2,856 |
| Total Bank Equity Capital | 75,647 |
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Total Interest Expense | 12,323 |
| Total Deposits | 807,701 |
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Total NonInterest Expense | 16,673 |
| Net Loans & Leases | 784,708 |
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Net Income | 4,344 |
| Loan Loss Allowance | 8,646 |
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Net Charge Offs | 380 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 82,933 |
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Total loans | 790,881 |
| Total assets for the leverage ratio | 905,402 |
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Loans secured by real estate: | 692,217 |
| Tier 1 Leverage Ratio | 8.19 |
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Commercial and industrial loans | 25,978 |
| Tier 1 Capital Ratio | 10.46 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 11.7 |
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Loans to individuals - Other | 59,890 |
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