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
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.07% | 0.91% | 1.22% | 1.52% | Beats 2% | 322 / 328 | n/a | |
| Return on Equity | 0.73% | 8.43% | 11.45% | 14.43% | Beats 2% | 322 / 328 | n/a | |
| Net Interest Margin | 2.59% | 3.03% | 3.45% | 3.83% | Beats 8% | 301 / 328 | n/a | |
| Efficiency Ratio | 98.05% | 51.61% | 59.56% | 67.53% | Beats 1% | 325 / 328 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.24% | 0.51% | 1.03% | Beats 76% | 78 / 322 | n/a | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 69% | 100 / 322 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 12.52% | 11.75% | 13.15% | 15.47% | Beats 40% | 196 / 328 | n/a | |
| Total Risk-Based Capital Ratio | 14.66% | 12.63% | 14.15% | 16.46% | Beats 57% | 140 / 328 | n/a | |
| Equity / Assets | 9.59% | 9.15% | 10.33% | 12.01% | Beats 37% | 208 / 328 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 92.22% | 76.63% | 87.92% | 95.36% | 67th pctl | 108 / 323 | n/a | |
| Loans / Assets | 81.03% | 65.18% | 74.15% | 79.98% | 78th pctl | 71 / 328 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |