Ballston Spa National Bank
Ballston Spa, NY · Owner: Ballston Spa Bancorp, Inc.
$1.4B
total assets, June 30, 2026
$1.4B
total assets, June 30, 2026
Ballston Spa National Bank is a national bank based in Ballston Spa, NY, owned by Ballston Spa Bancorp, Inc. (BSPA). As of June 30, 2026 it held $1.4 billion in assets and $1.2 billion in deposits; assets were up 50.1% from a year before. It has 21 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$1.4B
+50.1% in a year · +45.4% in a quarter
Deposits
$1.2B
+68.6% in a year · +47.9% in a quarter
Loans
$1.1B
+42.1% in a year · +38.5% in a quarter
Profit so far
$481K
Jan 1 to Jun 30, 2026 · -82.7% in a year
Capital ratio
8.74%
+0.08 pts in a year
Return on assets
0.09%
-0.52 pts in a year
Facts
- Type
- National bank
- Head office
- 87 Front St, Ballston Spa, NY, 12020
- County
- Saratoga
- Holding company
- Ballston Spa Bancorp, Inc. (BSPA)
- Established
- Jan 1, 1838
- Employees
- 209
- Branches
- 21
- Website
- www.nbcoxsackie.com
- Id
- b6959
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
21 offices as of June 30, 2026, holding $1.2 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| New York | 21 | $1.2B | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Ballston Spa National Bank (main office) | Ballston Spa, NY | $242M |
| The National Bank Of Coxsackie Branch | Coxsackie, NY | $97.5M |
| Burnt Hills Branch | Burnt Hills, NY | $91.1M |
| Greenville Branch | Greenville, NY | $75.6M |
| Malta Branch | Malta, NY | $61.0M |
| Ravena Branch | Ravena, NY | $58.1M |
| Galway Branch | Galway, NY | $54.6M |
| Milton Crest Branch | Milton, NY | $52.8M |
| Stillwater Branch | Stillwater, NY | $49.9M |
| Clifton Park Branch | Clifton Park, NY | $44.6M |
Related pages
Questions and answers
How big is Ballston Spa National Bank?
$1.4 billion in total assets and $1.2 billion in deposits as of June 30, 2026, with assets up 50.1% from a year before. Its loans were $1.1 billion.
How many branches does Ballston Spa National Bank have?
21 branches in New York as of June 30, 2026.
Is Ballston Spa National Bank profitable?
Yes: it earned $481,000 from January 1 to June 30, 2026 (down 82.7% from the same months a year before). Its return on assets was 0.09% a year; about 1% is typical.
Who owns Ballston Spa National Bank?
Ballston Spa National Bank is owned by Ballston Spa Bancorp, Inc., its holding company, which is listed as BSPA.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.