BALLSTON SPA NATIONAL BANK

BALLSTON SPA, NY · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1838FDIC #6,959

Satisfactory Same

Current rating · Exam: March 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.18%

Is this bank safe?

BALLSTON SPA NATIONAL BANK holds a Satisfactory CRA rating (2023), meets basic financial requirements (ROA +0.18%).

Institution Profile

FDIC BankFind

Website

ww.bsnb.com

Address

87 Front St, BALLSTON SPA, NY

County

Saratoga County

Established

January 1, 1838

Total Assets

$942M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 20, 2023

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Mar 2027(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$942M

Total Deposits

$814M

Net Loans

$792M

Net Income

$424K

ROA

0.18%

Below avg for Small banks. Peer avg: 0.44%

ROE

1.92%

Risk-Based Capital

14.71%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.18%Peer avg: 0.44%▼ Below avg

Risk-Based Capital14.71%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate3.81%Peer avg: 6.90%▼ Fewer than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$714M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	499	62.12%	3.81%
2023	490	64.29%	2.24%
2022	443	72.23%	3.16%
2021	573	77.49%	3.14%
2020	643	76.83%	3.11%
2019	465	72.9%	3.44%
2018	411	71.29%	5.11%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Mar 2023	Satisfactory	Intermediate Small Bank
Mar 2020	Satisfactory	Intermediate Small Bank
Jan 2017	Satisfactory	Intermediate Small Bank

6 previous ratings locked — back to 1995

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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