BALLSTON SPA, NY · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
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%
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| 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% |
| 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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Total Branches
13
Branch Deposits
$714M
1-Year Change
0
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Preview:
| 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