Ballston Spa National Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.35%	1-year CD	12-23 Months Jumbo CD 2.45% - Synchrony Bank 12 Month CD
0.10%	Savings	Statement Savings 1.80% - American Express National Bank High Yield Savings Account
0.60%	4-year CD	48-60 Months Jumbo CD 2.65% - Barclays 48 Month Online CD

View all Ballston Spa National Bank rates »

Overview / Commentary

www.bsnb.com

518-363-8150

87 Front Street
Ballston Spa, NY 12020

Ballston Spa National Bank is headquartered in Ballston Spa and is the 80^th largest bank in the state of New York. It is also the 1,424^th largest bank in the nation. It was established in 1838 and as of June of 2018, it had grown to 131 employees at 13 locations. Ballston Spa National Bank has an A health rating.

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Health

A

Data as of Q2 2018

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Health Grade Components

Overall
FDIC Certificate #	6959
Year Established	1838
Employees	131
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.02%
Return on Equity - YTD	13.29%
Annual Interest Income	$9.9MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$502.5MM$464.4MM
Loans	Q2 2018vs Q2 2017	$402.6MM$362.2MM
Deposits	Q2 2018vs Q2 2017	$421.3MM$376.7MM
Equity Capital	Q2 2018vs Q2 2017	$39.0MM$37.0MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$5.2MM$4.3MM
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$3.1MM$3.4MM
Real Estate Owned	Q2 2018vs Q2 2017	$0$849.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ballston Spa National Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$100	-	Youth Savings
0.10%	$100	-	Statement Savings
0.05%	$100	-	Holiday Club

Ballston Spa National Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$100k^*	-	Premier Money Market Investment Account
OTHER TIERS: 0.15% → Up to $25k \| 0.20% → $25k - $100k
0.15%^*	$50k^*	-	Diamond Money Market Investment Account
OTHER TIERS: 0.10% → Up to $50k

Ballston Spa National Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$500	-	Premier Checking
0.05%	$500	-	Business Interest Checking
0.05%	-	-	Community Checking

Ballston Spa National Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%	$500	$100k	48-60 Months Premier CD
0.60%	$500	$100k	48-60 Months CD
0.60%	$100k	-	48-60 Months Jumbo CD
0.55%	$500	$100k	36-47 Months Premier CD
0.50%	$500	$100k	36-47 Months CD
0.50%	$100k	-	36-47 Months Jumbo CD
0.45%	$500	$100k	24-35 Months Premier CD
0.40%	$500	$100k	24-35 Months CD
0.40%	$500	$100k	12-23 Months Premier CD
0.40%	$100k	-	24-35 Months Jumbo CD
0.35%	$500	$100k	12-23 Months CD
0.35%	$100k	-	12-23 Months Jumbo CD
0.25%	$500	$100k	180-364 Days Premier CD
0.20%	$500	$100k	180-364 Days CD
0.20%	$100k	-	180-364 Days Jumbo CD
0.15%	$2.5k	$100k	7-31 Days Premier CD
0.15%	$2.5k	$100k	32-89 Days Premier CD
0.15%	$500	$100k	90-179 Days Premier CD
0.10%	$2.5k	$100k	7-31 Days CD
0.10%	$2.5k	$100k	32-89 Days CD
0.10%	$500	$100k	90-179 Days CD
0.10%	$100k	-	7-31 Days Jumbo CD
0.10%	$100k	-	32-89 Days Jumbo CD
0.10%	$100k	-	90-179 Days Jumbo CD

Ballston Spa National Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%	$500	$100k	48-60 Months Premier IRA
0.60%	$500	$100k	48-60 Months IRA
0.60%	$100k	-	48-60 Months Jumbo IRA
0.55%	$500	$100k	36-47 Months Premier IRA
0.50%	$500	$100k	36-47 Months IRA
0.50%	$100k	-	36-47 Months Jumbo IRA
0.45%	$500	$100k	24-35 Months Premier IRA
0.40%	$500	$100k	12-23 Months Premier IRA
0.40%	$500	$100k	24-35 Months IRA
0.40%	$100k	-	24-35 Months Jumbo IRA
0.35%	$500	$100k	12-23 Months IRA
0.35%	$100k	-	12-23 Months Jumbo IRA
0.25%	$500	$100k	180-364 Days Premier IRA
0.20%	$500	$100k	180-364 Days IRA
0.20%	$100k	-	180-364 Days Jumbo IRA
0.15%	$500	$100k	90-179 Days Premier IRA
0.10%	$500	$100k	90-179 Days IRA
0.10%	$100k	-	90-179 Days Jumbo IRA

Locations

Availability

Albany Area

Albany Area bank & credit union details

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