|
 |
|
|
 Ballston Spa National Bank
|
Ballston Spa National Bank
| RSSD ID 505 | CERTIFICATE 6959 | ABA NUMBER 21304675 |
| 87 Front St |
Quarter Ended : |
2026-03-31 |
| Ballston Spa, New York, 12020 |
Updated : |
2026-04-24 |
| https://ww.bsnb.com |
|
| 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 |
|
| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
21 |
Number of Employees : |
137 |
|
|
|
|
|
|
| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
|
Income Statement
(USD, in thousands, ytd) |
| Total Assets | 941,552 |
|
Total Interest Income | 10,941 |
| Total Liabilities | 843,389 |
|
Total NonInterest Income | 990 |
| Total Bank Equity Capital | 98,111 |
|
Total Interest Expense | 4,006 |
| Total Deposits | 813,757 |
|
Total NonInterest Expense | 7,088 |
| Net Loans & Leases | 792,271 |
|
Net Income | 424 |
| Loan Loss Allowance | 8,916 |
|
Net Charge Offs | 13 |
|
|
|
| Regulatory Capital |
|
Quarterly Averages
(USD, in thousands) |
| Total capital | 105,768 |
|
Total loans | 802,317 |
| Total assets for the leverage ratio | 908,840 |
|
Loans secured by real estate: | 707,396 |
| Tier 1 Leverage Ratio | 10.65 |
|
Commercial and industrial loans | 26,068 |
| Tier 1 Capital Ratio | 13.46 |
|
Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 14.71 |
|
Loans to individuals - Other | 63,989 |
|
|
|
|
:· Ballston Spa National Bank
