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Ballston Spa National Bank

$1B-$10B Specialty: Commercial NY FDIC cert 6959

Designations: ✓ Community bank

Ballston Spa, NY

21 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
  • Deposits +68.6% year over year ($1.2B on the books).
  • Delinquency rate 0.23%.
  • Return on assets 0.09%.
  • Efficiency ratio 98.05% vs a 59.73% peer average.
  • Loan-to-deposit ratio 91.12% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 40 in NY
View $1B-$10B leaderboard (NY) →

Ballston Spa National Bank has 1 strength but faces 3 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

  • + Credit Quality Leader: Top 1.4% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 18.3% in tier
  • - Return on Assets 1.30% below tier average
  • - Net Interest Margin 0.23% below tier average
Get updates when Ballston Spa National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $1.4B
+50.1% YoY +45.4% QoQ
-$1.4B $2.8B
-0.6% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
27%
Total Loans ? $1.1B
+41.9% YoY +38.4% QoQ
-$866.6M $2.0B
-0.3% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
37%
Total Deposits ? $1.2B
+68.6% YoY +47.9% QoQ
-$1.1B $2.3B
-0.5% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
30%
Return on Assets ? 0.09%
-85.5% YoY -50.9% QoQ
-1.30% 1.39%
+17.0% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
Bottom 1.8% in tier
Net Interest Margin ? 3.64%
+20.5% YoY +16.5% QoQ
-0.23% 3.87%
+6.2% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
45%
Efficiency Ratio ? 98.05%
+30.5% YoY +9.6% QoQ
+38.33% 59.73%
-12.6% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
Bottom 0.8% in tier
Delinquency Rate ? 0.23%
+205.1% YoY +132.1% QoQ
-0.64% 0.87%
+11.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
76%
Loan-to-Deposit Ratio ? 91.12%
-15.8% YoY -6.4% QoQ
+6.09% 85.04%
-0.1% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
37%
Non-Interest-Bearing Deposit Share ? 21.82%
+4.6% YoY +16.6% QoQ
+0.55% 21.27%
-1.5% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
60%
Nonperforming Asset Ratio ? 0.18%
+188.6% YoY +120.9% QoQ
-0.49% 0.67%
+11.7% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
75%
Tier 1 Capital Ratio ? 12.52%
+15.8% YoY -7.0% QoQ
-2.32% 14.84%
-0.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
41%
Non-Interest Income / Assets ? 0.19%
-4.4% YoY +81.5% QoQ
-0.34% 0.53%
+2.5% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
29%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Noninterest-Bearing 21.8%
+1.0pp YoY
+3.1pp QoQ
 +0.5pp 21.4% 22.1% 22.2% 59%
Brokered Deposits 7.1%
-1.4pp YoY
-0.3pp QoQ
 -2.4pp 9.5% 8.0% 8.5% 59%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 3.6%
+0.3pp YoY
+0.2pp QoQ
 -10.4pp 14.0% 11.0% 12.5% 12%
CRE 44.7%
-1.1pp YoY
-0.8pp QoQ
 -5.3pp 50.0% 46.2% 41.4% 35%
1-4 Family 46.1%
+3.7pp YoY
+2.8pp QoQ
 +19.7pp 26.4% 36.6% 31.3% 87%
Consumer 6.3%
-1.2pp YoY
-1.9pp QoQ
 +1.6pp 4.7% 5.1% 5.0% 84%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 12.5%
+1.7pp YoY
-0.9pp QoQ
 -3.1pp 15.6% 26.1% 19.7% 33%
Leverage Ratio 8.7%
+0.1pp YoY
-1.9pp QoQ
 -2.6pp 11.3% 13.9% 12.6% 7%
Total Capital Ratio 14.7%
+2.6pp YoY
-0.1pp QoQ
 -2.0pp 16.7% 27.2% 20.8% 50%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 209
+72 (+52.6%) YoY
+72 (+52.6%) QoQ
 -105 313 914 482 44%
Assets per Employee ($) $6.6M
-1.6% YoY
-4.7% QoQ
 -$3.9M $10.5M $14.8M $8.8M 18%
Branch Count 21
+8 (+61.5%) YoY
+8 (+61.5%) QoQ
 +1 20 27 18 68%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.1% 0.4% 56%
Nonaccrual 0.2%
+0.1pp YoY
+0.1pp QoQ
 -0.6pp 0.8% 1.3% 1.0% 20%
Allowance Coverage 5.25x
-64.3% YoY
-54.1% QoQ
 -13.46x 18.71x 1.92x 20.23x 79%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 42%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 0.9%
-6.4pp YoY
-1.0pp QoQ
 -11.7pp 12.6% 7.9% 11.6% 2%
Cost of Funds (YTD) 1.9%
+0.1pp YoY
+0.1pp QoQ
 0.0pp 1.9% 1.8% 1.7% 51%
Net Income ($, YTD) $481,000
-82.7% YoY
— QoQ
 -$18.8M $19.2M $111.2M $40.4M 2%

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 (1)

Credit Quality Leader

growth
#4 of 221 • Top 1.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.23%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (1)

Efficiency Drag

risk
#12 of 60 • Bottom 18.3% in tier

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

Why this signature
Efficiency Ratio: 98.05%
(Tier: 59.73%, National: 70.05%)
worse than tier avg
60 of 60 Mid-Market banks match · 426 nationally
↓ Shrinking -64 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

211
Delinquency Rate
credit_quality
Value: 0.23%
Peer Median: 0.87%
#211 of 882 Top 23.8% in $1B-$10B
222
Nonperforming Asset Ratio
credit_quality
Value: 0.18%
Peer Median: 0.67%
#222 of 885 Top 25.0% in $1B-$10B

Top Weaknesses (2 metrics)

879
Efficiency Ratio
profitability
Value: 98.05%
Peer Median: 59.73%
#879 of 885 Bottom 0.8% in $1B-$10B
870
Return on Assets
profitability
Value: 0.09%
Peer Median: 1.39%
#870 of 885 Bottom 1.8% in $1B-$10B
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