Ballston Spa, NY · Cert 6959 · Ballston Spa Bcorp Inc.
National charter · OCC · 21 branches
Q2 2026
Market Position · Albany-Schenectady-Troy, NY · 2026 SOD (annual) · 2.9% share · #10 of 19 inst. · $0.9B of $31.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.58% | 0.40% | 0.18% | 0.02%1 | -58 bps | |
| Return on Equity | 7.09% | 6.89% | 4.68% | 1.92% | 0.20% | -689 bps | |
| Net Interest Margin | 2.92% | 2.93% | 3.04% | 3.05% | 3.24% | +32 bps | |
| Efficiency Ratio | 75.65% | 76.95% | 84.70% | 89.44% | 103.21% | +2,756 bps | |
| Non-Interest Burden | 2.10% | 2.15% | 2.47% | 2.68% | 3.34% | +125 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 / Loans | 0.07% | 0.12% | 0.17% | 0.10% | 0.23% | +15 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.01% | 0.02% | 0.01% | 0.04% | -12 bps | |
| Allowance / Loans | 1.09% | 1.09% | 1.09% | 1.11% | 1.18% | +10 bps | |
| Allowance Coverage of NPLs | 14.7x | 9.3x | 6.3x | 11.4x | 5.2x | -9.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.66% | 8.36% | 8.45% | 10.65% | 8.74% | +8 bps | |
| Total Risk-Based Capital | 12.03% | 11.91% | 11.86% | 14.71% | 14.66% | +263 bps | |
| Equity / Assets | 8.48% | 8.44% | 8.44% | 10.42% | 9.59% | +111 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 109.44% | 98.23% | 104.86% | 98.46% | 92.22% | -1,722 bps | |
| Liquid Assets / Assets | 1.91% | 0.42% | 2.24% | 4.27% | 5.19% | +328 bps | |
| CRE / Total Capital | n/a | 473% | 474% | 373% | n/a | n/a | |