Total Assets
$1.4B
Total Deposits
$1.2B
Branches
13
Established
1838
Ballston Spa National Bank is a bank headquartered in Ballston Spa, New York, established in 1838. It holds $1.4B in total assets across 13 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Ballston Spa National Bank earns a TFS Financial Health Grade of C- (61.7/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
61.7 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
Watching Ballston Spa National Bank?
Get a free alert the moment its TFS financial-health grade changes. No spam, ever.
Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Ballston Spa National BankHQ | 87 Front St | Ballston Spa | NY | 11 |
| Ballston Spa National Bank | 1973 Western Ave | Albany | NY | 11 |
| Ballston Spa National Bank | 990 State Route 67 | Ballston Spa | NY | 11 |
| Ballston Spa National Bank | 770 Saratoga Rd | Burnt Hills | NY | 11 |
| Ballston Spa National Bank | 1714 Route 9 | Clifton Park | NY | 11 |
| Ballston Spa National Bank | 5091 Sacandaga Rd | Galway | NY | 11 |
| Ballston Spa National Bank | 3060 Route 9n | Greenfield Center | NY | 11 |
| Ballston Spa National Bank | 1202 Troy Schenectady Road | Latham | NY | 11 |
| Ballston Spa National Bank | 124 Dunning St | Malta | NY | 11 |
| Ballston Spa National Bank | 344 Rowland Street | Milton | NY | 11 |
| Ballston Spa National Bank | 428 Hudson Ave | Stillwater | NY | 11 |
| Ballston Spa National Bank | 13 Maple Rd | Voorheesville | NY | 11 |
| Ballston Spa National Bank | Route 9 | Wilton | NY | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
61.7
Tier 1 capital ratio
8.74%
Return on assets
0.09%
Non-performing loans
0.23%
Efficiency ratio
98.05%
Asset growth (YoY)
50.06%
Suggested direct comparisons
Buffalo, NY
$218.8B
$1.3B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.