FDIC Cert #6959 · Ballston Spa, New York · Est. 1838

Ballston Spa National Bank - FDIC Bank Health Profile

A community-scale look at Ballston Spa National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$929M
Total assets
B
Health grade · Good
0.55%
Return on assets
10.6%
Tier 1 capital

Data updated July 2026

The verdict

Ballston Spa National Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 10.63% Tier 1, 0.55% ROA, 78% efficiency ratio.

#1,119
largest of 4,313 FDIC banks by assets
74th
percentile by asset size, nationally
10.63%
Tier 1 ratio - above the 10% well-capitalized line
18th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 6959 · NY B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3361/4307
  • PHOTO-FINISH FNB Bank, Inc. · WV
  • TIER1-WELL 10.6% Tier 1
  • TEXAS-CLEAN 1.6% Texas
  • ROA-THIN 0.55% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New York: FNB Bank, Inc., WV (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Ballston Spa National Bank

Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Ballston Spa Nationa… · NY ·…66/100First Citizens Commu… · PA ·…66/100FNB Bank, Inc. · WV · near66/100New Tripoli Bank · PA · near66/100The First National B… · NJ ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Ballston Spa National Bank · July 2026

What Ballston Spa National Bank's Call Report plate shows

Ballston Spa National Bank (FDIC Cert #6959) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,361 of 4,307. Tier 1 capital prints at 10.63%, clearing the 10% well-capitalized line. The Texas Ratio is 1.60%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.55%. Balance-sheet scale is $929M, 1,119th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is FNB Bank, Inc. (WV), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Ballston Spa National Bank

6 FAILURE resolutions in New York since 2000 (5 since 2008)

Ballston Spa National Bank's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Ballston Spa National Bank remains an active FDIC-insured reporter.

  • SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
  • USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
  • THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.

How Ballston Spa National Bank's 66/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10066/100
Ballston Spa National Bank's composite health score
Tier 1 Capital Ratio (10.63%) 28/40
Return on Assets (ROA) (0.55%) 14/25
Texas Ratio (1.60%) 20/20
Efficiency Ratio (78.19%) 4/15

66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$929M

Total balance-sheet footings

Total Deposits

$766M

Customer-funded liabilities

Net Loans

$794M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.23% 10.63% 12.03%
Basel III capital ratios - Ballston Spa National Bank

Where Ballston Spa National Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Ballston Spa National Bank's score of 66/100 falls in the highlighted band.

Ballston Spa National Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 22nd percentile higher than 22% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Ballston Spa National Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Ballston Spa National Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Ballston Spa National Bank's $929M falls in the highlighted band.

Safety ratios for Ballston Spa National Bank

Tier 1 capital ratio
Well-capitalized 10%

10.63% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.63%
Texas Ratio
1.60%
Equity Capital
$78M

What these ratios mean →

Profitability metrics: Ballston Spa National Bank

Return on Assets (ROA)
18th percentile nationally
0.55%
Return on Equity (ROE)
6.55%
Efficiency Ratio
78.19%

What these mean →

Income & expense at Ballston Spa National Bank

$43M
Interest Income
$4M
Non-Interest Income
$24M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Ballston Spa National Bank reports a Texas Ratio of 1.60% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.60% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Ballston Spa National Bank on FDIC BankFind →

Top banks in New York by total assets

Largest banks headquartered in New York
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

Top 5 banks in New York ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($929M here), outside New York so the neighborhood is not state containment.

Mid-Missouri Bank $927M · MO First National Bank of Waterloo $930M · IL Vermillion State Bank $931M · MN Bank of Botetourt $926M · VA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Ballston Spa National Bank (FDIC Cert #6959) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Ballston Spa National Bank Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New York

All New York banks →
BankAssetsGradeROA
Goldman Sachs Bank USANew York $645.0B A 1.42%
The Bank of New York MellonNew York $381.0B A 1.31%
Morgan Stanley Private Bank, National AssociationPurchase $254.7B A 1.10%
Manufacturers and Traders Trust CompanyBuffalo $212.9B A 1.40%
Flagstar Bank, National AssociationHicksville $87.5B D -0.14%
Bank of ChinaNew York $61.9B F 0.00%
Deutsche Bank Trust Company AmericasNew York $43.0B A 1.86%
State Bank of IndiaNew York $22.6B F 0.00%