Ballston Spa National Bank (FDIC #6959): Bank Stress & Real-Estate Credit Exposure
Ballston Spa National Bank (FDIC Cert #6959): bank stress 90/100, severe, STABLE over 7 days; parent BALLSTON SPA BCORP INC.
Ballston Spa National Bank (#6959) lends in 4 counties across 1 state; Ballston Spa National Bank (#6959) reaches 128 ZIP codes: New York 4 counties, 128 ZIPs.
Ballston Spa National Bank (#6959) largest markets: Albany County, NY (235 branches, 47 ZIPs) (#6959), Greene County, NY (210 branches, 42 ZIPs) (#6959), Saratoga County, NY (270 branches, 27 ZIPs) (#6959), Schoharie County, NY (24 branches, 24 ZIPs) (#6959).
Ballston Spa National Bank (#6959) reports $1.37 billion in total assets; Ballston Spa National Bank (#6959) equity $131.4 million (9.6% of Ballston Spa National Bank (#6959) assets); Ballston Spa National Bank (#6959) domestic deposits $1.20 billion; Ballston Spa National Bank (#6959) net income $481,000; Ballston Spa National Bank (#6959) return on assets 0.09%; Ballston Spa National Bank (#6959) return on equity 0.94%; Ballston Spa National Bank (#6959) net interest income $18.6 million; Ballston Spa National Bank (#6959) call report June 30, 2026.
Ballston Spa National Bank (#6959) noncurrent real-estate loans 0.02% of its book; Ballston Spa National Bank (#6959) residential 0.05%; Ballston Spa National Bank (#6959) net charge-offs on real estate 0.24%; Ballston Spa National Bank (#6959) residential charge-offs 0.17%.
Ballston Spa National Bank (#6959) net interest margin 3.64% against an eight-quarter Ballston Spa National Bank (#6959) average of 3.11% (Ballston Spa National Bank (#6959) compression -0.53 points); Ballston Spa National Bank (#6959) real-estate loans 1.5% of equity; Ballston Spa National Bank (#6959) non-residential real estate 17.4% of equity; Ballston Spa National Bank (#6959) rate-exposure score 40/100, Ballston Spa National Bank (#6959) fixed-rate trap 40/100; Ballston Spa National Bank (#6959) risk type credit driven; Ballston Spa National Bank (#6959) rate regime rates elevated, Ballston Spa National Bank (#6959) snapshot October 19, 2026.
Ballston Spa National Bank (#6959) stress score moved from 83.5 on June 22, 2026 to 90.1 on October 19, 2026; Ballston Spa National Bank (#6959) ranged 83.5 to 90.1 over 116 snapshots.
Ballston Spa National Bank (#6959) alerts: 4 counties; top Ballston Spa National Bank (#6959) alert scores: Middleburgh County, NY 28 (low); Stillwater County, NY 28 (low); Voorheesville County, NY 28 (low); West Coxsackie County, NY 28 (low).