BlastPoint's Banking Scorecard

Ballston Spa National Bank

$100M-$1B Specialty: Commercial NY FDIC cert 6959

Ballston Spa, NY

21 branches across NY

2664 banks in the $100M-$1B peer group nationally 51 in NY

Ballston Spa National Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 8.0% in tier
- Liquidity Strain: Bottom 35.6% in tier
- Return on Assets 1.09% below tier average
- Net Interest Margin 0.81% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$941.6M +4.8% YoY +1.4% QoQ	+$555.5M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	Top 2.1% in tier
Total Loans ?	$792.3M +3.8% YoY -0.3% QoQ	+$536.6M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	Top 0.4% in tier
Total Deposits ?	$813.8M +9.8% YoY +6.2% QoQ	+$485.8M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	Top 1.9% in tier
Return on Assets ?	0.18% -71.3% YoY -67.1% QoQ	-1.09%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	Bottom 6.2% in tier
Net Interest Margin ?	3.12% +1.9% YoY +1.9% QoQ	-0.81%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	15%
Efficiency Ratio ?	89.44% +19.8% YoY +14.4% QoQ	+24.15%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Bottom 7.0% in tier
Delinquency Rate ?	0.10% -33.0% YoY -44.0% QoQ	-0.79%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	74%
Loan-to-Deposit Ratio ?	97.36% -5.5% YoY -6.1% QoQ	+20.72%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	Bottom 11.9% in tier
Non-Interest-Bearing Deposit Share ?	18.71% -5.4% YoY -4.0% QoQ	-3.31%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	39%
Nonperforming Asset Ratio ?	0.08% -33.7% YoY -44.9% QoQ	-0.56%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	73%
Tier 1 Capital Ratio ?	13.46% +24.0% YoY +26.7% QoQ	-2.37%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.11% +11.2% YoY -77.3% QoQ	-0.17%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	55%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Efficiency Drag

risk

#34 of 414 • Bottom 8.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 89.44%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Liquidity Strain

risk

#230 of 643 • Bottom 35.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 97.36%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Total Loans

size

Value: $792.27M

Peer Median: $255.72M

#12 of 2664 Top 0.4% in $100M-$1B

Total Deposits

size

Value: $813.76M

Peer Median: $327.97M

#52 of 2664 Top 1.9% in $100M-$1B

Total Assets

size

Value: $941.55M

Peer Median: $386.08M

#57 of 2664 Top 2.1% in $100M-$1B

Top Weaknesses (4 metrics)

2499

Return on Assets

profitability

Value: 0.18%

Peer Median: 1.27%

#2499 of 2664 Bottom 6.2% in $100M-$1B

2478

Efficiency Ratio

profitability

Value: 89.44%

Peer Median: 65.29%

#2478 of 2664 Bottom 7.0% in $100M-$1B

2348

Loan-to-Deposit Ratio

liquidity

Value: 97.36%

Peer Median: 76.64%

#2348 of 2664 Bottom 11.9% in $100M-$1B

2261

Net Interest Margin

profitability

Value: 3.12%

Peer Median: 3.93%

#2261 of 2664 Bottom 15.2% in $100M-$1B