Ballston Spa National Bank is a bank based in Ballston Spa, New York, established in 1838, with $942 million in total assets across 21 branches. By Trust Grade it ranks 75th of 118 banks we track in New York. Its capital ratio of 10.4% is stronger than 54% of similarly sized banks, versus a New York median of 10.4%. It was profitable over the most recent period, with a 0.18% return on assets. No consumer complaints against Ballston Spa National Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Ballston Spa National Bank compares to New York peers
How we graded Ballston Spa National Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.4% capital ratio)
- Profitable (ROA 0.18%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Ballston Spa National Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (21)
- 1714 Route 9, Clifton Park, NY 12065
- 1 N Washington St, Athens, NY 12015
- 770 Saratoga Rd, Burnt Hills, NY 12027
- 344 Rowland Street, Milton, NY 12020
- 5091 Sacandaga Rd, Galway, NY 12074
- 124 Dunning St, Malta, NY 12020
- 3060 Route 9n, Greenfield Center, NY 12833
- 428 Hudson Ave, Stillwater, NY 12170
- Route 9, Wilton, NY 12866
- 6500 Rt 81, Greenville, NY 12083
- Route 385 And State Route 9w, West Coxsackie, NY 12192
- 2480 Us Route 9w, Ravena, NY 12143
- 76 Main St, Cairo, NY 12413
- 87 Front St, Ballston Spa, NY 12020
- 3 Reed St, Coxsackie, NY 12051
- 990 State Route 67, Ballston Spa, NY 12020
- 4507 State Route 30, Middleburgh, NY 12122
- 331 Route 9w, Glenmont, NY 12077
- 1202 Troy Schenectady Road, Latham, NY 12110
- 1973 Western Ave, Albany, NY 12203
- 13 Maple Rd, Voorheesville, NY 12186
Are deposits at Ballston Spa National Bank insured?
Yes. Ballston Spa National Bank is an FDIC-insured bank (FDIC certificate #6959). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Ballston Spa National Bank: frequently asked questions
Is Ballston Spa National Bank a good bank?
Ballston Spa National Bank earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Strongly capitalized (10.4% capital ratio); Profitable (ROA 0.18%).
Is Ballston Spa National Bank FDIC-insured?
Yes. Ballston Spa National Bank is a FDIC-insured bank (FDIC certificate #6959). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Ballston Spa National Bank?
Ballston Spa National Bank holds $942 million in total assets, ranking 75th of 118 banks we track in New York. It operates 21 branches.
Does Ballston Spa National Bank have CFPB complaints?
No CFPB complaints against Ballston Spa National Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
