🏦Bank Scorer

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%

Institution Profile

FDIC BankFind

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%

ROE

1.92%

Risk-Based Capital

14.71%

Regulatory minimum: 8%

Peer Comparison

Small banks

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

Mortgage Denial Rate3.81%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

13

Branch Deposits

$714M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202449962.12%3.81%
202349064.29%2.24%
202244372.23%3.16%
202157377.49%3.14%
202064376.83%3.11%
201946572.9%3.44%
201841171.29%5.11%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating 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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