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Ballston Spa National Bank


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 73rd largest bank in the state of New York. It is also the 1,287th largest bank in the nation. It was established in 1838 and as of September of 2019, it had grown to 120 employees at 13 locations. Ballston Spa National Bank has an A health rating.

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Health
A

Data as of Q3 2019

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Health Grade Components

Overall
FDIC Certificate #6959
Year Established1838
Employees120
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.75%
Return on Equity - YTD8.35%
Annual Interest Income$16.7MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$577.2MM$518.4MM
LoansQ3 2019vs Q3 2018$453.7MM$417.5MM
DepositsQ3 2019vs Q3 2018$505.0MM$441.3MM
Equity CapitalQ3 2019vs Q3 2018$50.8MM$47.4MM
Loan Loss AllowanceQ3 2019vs Q3 2018$6.0MM$5.3MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$1.3MM$3.6MM
Real Estate OwnedQ3 2019vs Q3 2018$134.00K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$100-Youth Savings
0.10%$100-Statement Savings
0.05%$100-Holiday Club

Ballston Spa National Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
0.15%*$50k*-Business Diamond Money Market Investment Account
OTHER TIERS: 0.10% → Up to $50k

Ballston Spa National Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$500-Premier Checking
0.05%$500-Business Interest Checking
0.05%--Community Checking

Ballston Spa National Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%$500$100k48-60 Months Premier CD
0.60%$500$100k48-60 Months CD
0.60%$100k-48-60 Months Jumbo CD
0.55%$500$100k36-47 Months Premier CD
0.50%$500$100k36-47 Months CD
0.50%$100k-36-47 Months Jumbo CD
0.45%$500$100k24-35 Months Premier CD
0.40%$500$100k24-35 Months CD
0.40%$500$100k12-23 Months Premier CD
0.40%$100k-24-35 Months Jumbo CD
0.35%$500$100k12-23 Months CD
0.35%$100k-12-23 Months Jumbo CD
0.25%$500$100k180-364 Days Premier CD
0.20%$500$100k180-364 Days CD
0.20%$100k-180-364 Days Jumbo CD
0.15%$2.5k$100k7-31 Days Premier CD
0.15%$2.5k$100k32-89 Days Premier CD
0.15%$500$100k90-179 Days Premier CD
0.10%$2.5k$100k7-31 Days CD
0.10%$2.5k$100k32-89 Days CD
0.10%$500$100k90-179 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%$500$100k48-60 Months Premier IRA
0.60%$500$100k48-60 Months IRA
0.60%$100k-48-60 Months Jumbo IRA
0.55%$500$100k36-47 Months Premier IRA
0.50%$500$100k36-47 Months IRA
0.50%$100k-36-47 Months Jumbo IRA
0.45%$500$100k24-35 Months Premier IRA
0.40%$500$100k12-23 Months Premier IRA
0.40%$500$100k24-35 Months IRA
0.40%$100k-24-35 Months Jumbo IRA
0.35%$500$100k12-23 Months IRA
0.35%$100k-12-23 Months Jumbo IRA
0.25%$500$100k180-364 Days Premier IRA
0.20%$500$100k180-364 Days IRA
0.20%$100k-180-364 Days Jumbo IRA
0.15%$500$100k90-179 Days Premier IRA
0.10%$500$100k90-179 Days IRA
0.10%$100k-90-179 Days Jumbo IRA
Locations

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