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Ballston Spa National Bank


Ballston Spa National Bank is an FDIC insured institution headquartered at 87 Front St, Ballston Spa, NY 12020.
It was founded in 1838 and has approximately $1 billion in assets. Customers can open an account at one of its 13 branches.

Deposit Rates - December 08, 2025

SAVINGS RATES APY MIN
SAV
0.05% $100 Compare
CD RATES APY MIN
6 Mo CD
0.35% $500 Compare
6 Mo CD
3.72% $10,000 Compare
9 Mo CD
3.57% $500 Compare
12 Mo CD
0.45% $500 Compare
15 Mo CD
3.67% $500 Compare
18 Mo CD
0.45% $500 Compare
18 Mo CD
3.62% $501 Compare
24 Mo CD
0.50% $500 Compare
24 Mo CD
3.47% $501 Compare
30 Mo CD
0.50% $500 Compare
36 Mo CD
0.60% $500 Compare
48 Mo CD
0.65% $500 Compare
60 Mo CD
0.65% $500 Compare
MM RATES APY MIN
Money Market
0.15% $0 Compare
Money Market
0.35% $1 Compare
PREMM RATES APY MIN
Premium Money Market
1.75% $100,000 Compare
FIXED IRA RATES APY MIN
6 Mo FIRA
3.72% $500
9 Mo FIRA
3.57% $500
15 Mo FIRA
3.67% $500
18 Mo FIRA
3.62% $500
24 Mo FIRA
3.47% $500
INT CHECKING RATES APY MIN
INTCK
0.05% $500

Loan Rates - December 08, 2025

MORTGAGE PURCHASE APR(%) MONTHLY PAYMENT
10 Year Adjustable Conforming
7.81% $2,103.24
15 Year Fixed Conforming
7.05% $2,854.82
20 Year Fixed Conforming
7.14% $2,480.96
30 Year Fixed Conforming
7.21% $2,156.98
MORTGAGE REFINANCE APR(%) MONTHLY PAYMENT
10 Year Adjustable Conforming
7.81% $2,103.24
15 Year Fixed Conforming
7.05% $2,854.82
20 Year Fixed Conforming
7.14% $2,480.96
30 Year Fixed Conforming
7.21% $2,156.98
See Other Mortgage Rates →
HOME EQUITY RATES APR(%) MONTHLY PAYMENT
Line of Credit
5.25% Varies
Compare with 0 RATE Line of Credit from PenFed Credit Union PenFed Credit Union
Compare with 6.95 RATE Line of Credit from Figure Home Equity Figure Home Equity
Compare with 6.95 RATE Line of Credit from Reliant Home Funding, Inc Reliant Home Funding, Inc
Compare with 6.99 RATE Line of Credit from Third Federal Savings and Loan Third Federal Savings and Loan
Compare with 7.25 RATE Line of Credit from Four Leaf Federal Credit Union Four Leaf Federal Credit Union
10 Year Loan
5.25% $1,048.48
15 Year Loan
5.50% $790.79
See Other Home Equity Rates →
AUTO LOAN RATES APR(%) MONTHLY PAYMENT
3 Year
3.90% $736.99
4 Year
4.10% $565.60
5 Year
4.20% $462.67

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 6959
Date Established 1838
Assets $ 912.61 million
Loans $ 772.72 million
Deposits $ 713.86 million
Capital $ 73.93 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 23.64 million
Interest-bearing balances $ 17.48 million
Total securities $ 76.80 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 772.72 million
Loan loss allowance $ 8.49 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1.64 million
All other assets $ 17.70 million
     Total Assets $ 838.68 million

LIABILITIES
Total deposits $ 713.86 million
      Interest-bearing deposits $ 564.89 million
      Deposits held in domestic offices $ 713.86 million
      % insured (estimated)" 70.19%
Federal funds purchased and repurchase agreements $ 0.10 million
Trading liabilities N.A.
Other borrowed funds $ 10.00 million
Subordinated debt N.A.
All other liabilities $ 9.11 millionn
      Total Liabilities $ 838.68 million
      Shareholders’ Equity $ 73.93 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 20.87 million
Total Interest Expense $ 7.93 million
Net interest income $ 12.94 million
Provision for loan and lease losses $ 0.30 million
Total non interest income $ 1.82 million
Total non interest expense $ 11.10 million
Pre-tax Net Operating Income $ 4.37 million

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Branches

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Your current location is: New York City, NY

Ballston Spa National Bank Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Ballston Spa National Bank
    Bank
    -
    $50,000
    N.A.
    0.05%
    0.22x (National Avg. - 0.23%)
    $100
    -
    SCENARIO
    Year Rate
    0.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    4.00%
    17.70x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689


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