Ballston Spa National Bank
Ballston Spa, NY · Cert 6959 · Peer group: banks $1B-$10B in assets (n=311-317) · 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 77% of banks $1B-$10B in assets (rank 74 of 311).
- Widest gap: efficiency ratio trails 99% of banks $1B-$10B in assets (rank 314 of 317).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.07%
Rank 310 of 317
Net Interest Margin
2.59%
Rank 293 of 317
Efficiency Ratio
98.05%
Rank 314 of 317
Equity / Assets
9.59%
Rank 201 of 317
Non-interest income vs. expense
Unfavorable gap of $36.3M · efficiency ratio beats 1% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.07% | 0.93% | 1.22% | 1.51% | Beats 2% | 310 / 317 | |
| Return on Equity | 0.73% | 8.63% | 11.43% | 14.48% | Beats 2% | 310 / 317 | |
| Net Interest Margin | 2.59% | 3.06% | 3.45% | 3.83% | Beats 8% | 293 / 317 | |
| Efficiency Ratio | 98.05% | 51.90% | 59.69% | 67.53% | Beats 1% | 314 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.24% | 0.51% | 1.14% | Beats 77% | 74 / 311 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.12% | Beats 70% | 93 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 12.52% | 11.75% | 13.15% | 15.30% | Beats 39% | 192 / 317 | |
| Total Risk-Based Capital Ratio | 14.66% | 12.63% | 14.21% | 16.26% | Beats 58% | 134 / 317 | |
| Equity / Assets | 9.59% | 9.06% | 10.32% | 11.95% | Beats 37% | 201 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 92.22% | 76.63% | 88.04% | 95.67% | 66th pctl | 107 / 312 | |
| Loans / Assets | 81.03% | 65.41% | 74.05% | 79.71% | 79th pctl | 66 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |