Banks | Ballston Spa National Bank

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 - July 26, 2025

SAVINGS RATES	APY	MIN
SAV	0.05%	$100	Compare

CD RATES	APY	MIN
6 Mo CD	0.35%	$500	Compare
6 Mo CD	4.11%	$10,000	Compare
9 Mo CD	3.47%	$500	Compare
12 Mo CD	0.45%	$500	Compare
15 Mo CD	3.81%	$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	4.11%	$500
9 Mo FIRA	3.47%	$500
15 Mo FIRA	3.81%	$500
18 Mo FIRA	3.62%	$500
24 Mo FIRA	3.47%	$500

INT CHECKING RATES	APY	MIN
INTCK	0.05%	$500

Loan Rates - July 26, 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 RATE Line of Credit from PenFed 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	$ 898.64 million
Loans	$ 763.45 million
Deposits	$ 741.13 million
Capital	$ 72.30 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions	$ 25.49 million
Interest-bearing balances	$ 19.02 million
Total securities	$ 73.17 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 763.45 million
Loan loss allowance	$ 8.63 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	$ 826.34 million

LIABILITIES
Total deposits	$ 741.13 million
Interest-bearing deposits	$ 594.49 million
Deposits held in domestic offices	$ 741.13 million
% insured (estimated)"	65.95%
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	$ 826.34 million
Shareholders’ Equity	$ 72.30 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income	$ 10.38 million
Total Interest Expense	$ 3.84 million
Net interest income	$ 6.54 million
Provision for loan and lease losses	$ 0.15 million
Total non interest income	$ 0.85 million
Total non interest expense	$ 5.51 million
Pre-tax Net Operating Income	$ 4.37 million

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Branches

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