BlastPoint's Banking Scorecard
Ballston Spa National Bank
Community
Specialty: Commercial
NY
FDIC cert 6959
Ballston Spa, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Ballston Spa National Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 20.66% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9% in Community
- - Credit Risk Growth: Bottom 16% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$928.5M
+3.6% YoY
+1.6% QoQ
|
-$462.9M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$794.5M
+5.2% YoY
+1.2% QoQ
|
-$181.0M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$766.0M
+10.0% YoY
-5.2% QoQ
|
-$398.6M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
0.55%
-7.5% YoY
-8.8% QoQ
|
-0.61% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
3.06%
+3.6% YoY
+0.8% QoQ
|
-0.60% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
78.19%
+3.8% YoY
+3.2% QoQ
|
+15.56% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
0.18%
+12.9% YoY
+48.3% QoQ
|
-0.45% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
103.72%
-4.4% YoY
+6.7% QoQ
|
+20.66% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.49%
-6.2% YoY
-11.8% QoQ
|
-1.56% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.15%
+14.6% YoY
+47.8% QoQ
|
-0.35% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
10.63%
-1.4% YoY
-0.4% QoQ
|
+0.39% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.46%
+3.2% YoY
+48.4% QoQ
|
-0.28% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 8%
in Community
Why this stands out
Current:
103.72%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (2)
Credit Quality Pressure
risk
#76 of 808 · Bottom 9% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.18%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#103 of 642 · Bottom 16% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Loan-to-Deposit Ratio
Current: 103.72% · Tier avg: 83.06%
73
73th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
57
57th pctile
Total Loans
Current: $794.5M · Tier avg: $975.5M
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.49% · Tier avg: 21.05%
45
45th pctile
Total Assets
Current: $928.5M · Tier avg: $1.4B
44
44th pctile
Total Deposits
Current: $766.0M · Tier avg: $1.2B
44
44th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
34
34th pctile
Tier 1 Capital Ratio
Current: 10.63% · Tier avg: 10.24%
20
20th pctile
Net Interest Margin
Current: 3.06% · Tier avg: 3.66%
13
13th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.16%
13
13th pctile
Efficiency Ratio
Current: 78.19% · Tier avg: 62.63%
Top Weaknesses
13
13th pctile
Efficiency Ratio
Current: 78.19% · Tier avg: 62.63%
13
13th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.16%
20
20th pctile
Net Interest Margin
Current: 3.06% · Tier avg: 3.66%
34
34th pctile
Tier 1 Capital Ratio
Current: 10.63% · Tier avg: 10.24%
44
44th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
44
44th pctile
Total Deposits
Current: $766.0M · Tier avg: $1.2B
45
45th pctile
Total Assets
Current: $928.5M · Tier avg: $1.4B
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.49% · Tier avg: 21.05%
57
57th pctile
Total Loans
Current: $794.5M · Tier avg: $975.5M
71
71th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
73
73th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
92
92th pctile
Loan-to-Deposit Ratio
Current: 103.72% · Tier avg: 83.06%