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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 - March 09, 2026
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.05% | $100 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.35% | $500 | Compare |
|
6 Mo CD
|
3.70% | $10,000 | Compare |
|
9 Mo CD
|
3.47% | $500 | Compare |
|
12 Mo CD
|
0.45% | $500 | Compare |
|
15 Mo CD
|
3.52% | $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
|
3.70% | $500 |
|
9 Mo FIRA
|
3.47% | $500 |
|
15 Mo FIRA
|
3.52% | $500 |
|
18 Mo FIRA
|
3.62% | $500 |
|
24 Mo FIRA
|
3.47% | $500 |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
0.05% | $500 |
Loan Rates - March 09, 2026
| 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 |
| HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
|---|---|---|---|---|
|
Line of Credit
|
5.25% | Varies | ||
Compare with 0 RATE Line of Credit from Four Leaf Federal Credit Union
|
||||
Compare with 6.24 RATE Line of Credit from Third Federal Savings and Loan
|
||||
Compare with 6.95 RATE Line of Credit from Reliant Home Funding, Inc
|
||||
Compare with 6.95 RATE Line of Credit from Figure Home Equity
|
||||
Compare with 7 RATE Line of Credit from Four Leaf Federal Credit Union
|
||||
Compare with 7.25 RATE Line of Credit from Farmers Bank of Kansas City
|
||||
|
10 Year Loan
|
5.25% | $1,048.48 | ||
|
15 Year Loan
|
5.50% | $790.79 | ||
| 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 2026
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 6959 |
| Date Established | 1838 |
| Assets | $ 914.21 million |
| Loans | $ 784.71 million |
| Deposits | $ 807.70 million |
| Capital | $ 75.70 million |
Summary Balance Sheet as of September 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 20.44 million |
| Interest-bearing balances | $ 3.85 million |
| Total securities | $ 73.06 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 784.71 million |
| Loan loss allowance | $ 8.65 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 1.65 million |
| All other assets | $ 17.70 million |
| Total Assets | $ 838.51 million |
| LIABILITIES | |
| Total deposits | $ 807.70 million |
| Interest-bearing deposits | $ 629.27 million |
| Deposits held in domestic offices | $ 807.70 million |
| % insured (estimated)" | 62.84% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 10.00 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 9.11 millionn |
| Total Liabilities | $ 838.51 million |
| Shareholders’ Equity | $ 75.70 million |
Summary Income Statement as of September 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 31.90 million |
| Total Interest Expense | $ 12.32 million |
| Net interest income | $ 19.58 million |
| Provision for loan and lease losses | $ 0.48 million |
| Total non interest income | $ 2.86 million |
| Total non interest expense | $ 16.67 million |
| Pre-tax Net Operating Income | $ 4.37 million |
Customer Reviews for Ballston Spa National Bank
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