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Ballston Spa National Bank

Ballston Spa, NY · Cert 6959 · Ballston Spa Bcorp Inc.

National charter · OCC · 21 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

45

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

4

Q2 2024Q2 2026peer median (50)

Liquidity

68

Q2 2024Q2 2026peer median

Efficiency

1

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Ballston Spa National Bank

Ballston Spa, NY · Cert 6959 · Ballston Spa Bcorp Inc.

National charter · OCC · 21 branches

Q2 2026

$1.4BAssets
$1.1BLoans
$1.2BDeposits
$131.4MEquity
Loan mix
88%RE $704.2M3%C&I $27.5M8%Consumer $65.1MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $940.8M22%Noninterest $262.6MQ2 2025Q2 2026

NIM

4.60%Q2 ’244.74%Q2 ’253.95%Q2 ’26+3%-12%

Non-interest income vs. expense

2.52%Q2 ’242.52%Q2 ’252.88%Q2 ’26+3%+19%

Market Position · Albany-Schenectady-Troy, NY · 2026 SOD (annual) · 2.9% share · #10 of 19 inst. · $0.9B of $31.2B

10.4% Saratoga
8.1% Greene
1.0% Albany
5.9% Schoharie

Executive Summary

  • Earnings: ROA of 0.09%, down 53 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 0.23% of loans (+15 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.74%, up 8 bps from a year ago.
  • Funding: loans stand at 92.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.09%-53 bps YoY

Net Interest Margin (YTD, annualized)

2.59%-36 bps YoY

Efficiency Ratio (YTD, annualized)

98.05%+2,290 bps YoY

Tier 1 Leverage Ratio

8.74%+8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.60%0.55%0.18%0.09%-53 bps
Return on Equity7.33%7.20%6.55%1.92%0.94%-639 bps
Net Interest Margin2.95%2.88%2.92%3.05%2.59%-36 bps
Efficiency Ratio75.16%75.77%78.19%89.44%98.05%+2,290 bps
Non-Interest Burden2.11%2.08%2.18%2.68%2.52%+41 bps
Growth
Asset Growth (YoY)6.31%4.24%3.59%4.78%50.06%+4,375 bps
Loan Growth (YoY)5.39%4.86%5.14%3.77%42.06%+3,667 bps
Deposit Growth (YoY)1.48%5.35%9.98%9.80%68.58%+6,710 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.12%0.17%0.10%0.23%+15 bps
Net Charge-Offs / Loans0.09%0.06%0.05%0.01%0.02%-7 bps
Allowance / Loans1.09%1.09%1.09%1.11%1.18%+10 bps
Allowance Coverage of NPLs14.7x9.3x6.3x11.4x5.2x-9.4x
Capital
Tier 1 Leverage Ratio8.66%8.36%8.45%10.65%8.74%+8 bps
Total Risk-Based Capital12.03%11.91%11.86%14.71%14.66%+263 bps
Equity / Assets8.48%8.44%8.44%10.42%9.59%+111 bps
Liquidity & Funding
Loans / Deposits109.44%98.23%104.86%98.46%92.22%-1,722 bps
Liquid Assets / Assets1.91%0.42%2.24%4.27%5.19%+328 bps
CRE / Total Capitaln/a473%474%373%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Ballston Spa National Bank

Ballston Spa, NY · Cert 6959 · Peer group: banks $1B-$10B in assets (n=322-328) · Ballston Spa Bcorp Inc.

National charter · OCC · 21 branches

Q2 2026

$1.4BAssets
$1.1BLoans
$1.2BDeposits
$131.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 76% of banks $1B-$10B in assets (rank 78 of 322).
  • Widest gap: efficiency ratio trails 99% of banks $1B-$10B in assets (rank 325 of 328).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.07%

Rank 322 of 328

Net Interest Margin

2.59%

Rank 301 of 328

Efficiency Ratio

98.05%

Rank 325 of 328

Equity / Assets

9.59%

Rank 208 of 328

Non-interest income vs. expense

$5.2M$41.5MINCOMEEXPENSE
Unfavorable gap of $36.3M · efficiency ratio beats 1% of banks $1B-$10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.07%0.91%1.22%1.52%Beats 2%322 / 328
Return on Equity0.73%8.43%11.45%14.43%Beats 2%322 / 328
Net Interest Margin2.59%3.03%3.45%3.83%Beats 8%301 / 328
Efficiency Ratio98.05%51.61%59.56%67.53%Beats 1%325 / 328
Asset Quality
Nonperforming Loans / Loans0.23%0.24%0.51%1.03%Beats 76%78 / 322
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 69%100 / 322
Capital
Tier 1 Capital Ratio12.52%11.75%13.15%15.47%Beats 40%196 / 328
Total Risk-Based Capital Ratio14.66%12.63%14.15%16.46%Beats 57%140 / 328
Equity / Assets9.59%9.15%10.33%12.01%Beats 37%208 / 328
Liquidity & Funding
Loans / Deposits92.22%76.63%87.92%95.36%67th pctl108 / 323
Loans / Assets81.03%65.18%74.15%79.98%78th pctl71 / 328
Brokered Deposits / Depositsn/aNot reported for this institution