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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 : |
2025-12-31 |
| Ballston Spa, New York, 12020 |
Updated : |
2026-01-28 |
| 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 : |
134 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 928,503 |
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Total Interest Income | 42,932 |
| Total Liabilities | 850,049 |
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Total NonInterest Income | 4,304 |
| Total Bank Equity Capital | 78,402 |
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Total Interest Expense | 16,478 |
| Total Deposits | 765,967 |
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Total NonInterest Expense | 24,049 |
| Net Loans & Leases | 794,470 |
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Net Income | 5,014 |
| Loan Loss Allowance | 8,749 |
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Net Charge Offs | 427 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 85,444 |
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Total loans | 797,674 |
| Total assets for the leverage ratio | 906,218 |
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Loans secured by real estate: | 701,911 |
| Tier 1 Leverage Ratio | 8.45 |
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Commercial and industrial loans | 27,142 |
| Tier 1 Capital Ratio | 10.63 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 11.86 |
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Loans to individuals - Other | 61,959 |
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:· Ballston Spa National Bank
