Saratoga National Bank and Trust
Our records indicate that this bank has been acquired by Arrow Bank National Association.
Saratoga National Bank and Trust is an FDIC insured institution headquartered at
139 Broadway, Saratoga Springs, NY 12866.
It was founded in
1988 and has approximately $1 billion in assets. Customers can open an account at one of its 9 branches.
Deposit Rates - March 23, 2026
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.15% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.15% | $10,000 | Compare |
|
6 Mo CD
|
0.15% | $100,000 | Compare |
|
12 Mo CD
|
0.20% | $10,000 | Compare |
|
12 Mo CD
|
0.20% | $100,000 | Compare |
|
24 Mo CD
|
0.30% | $10,000 | Compare |
|
24 Mo CD
|
0.30% | $100,000 | Compare |
|
36 Mo CD
|
0.40% | $10,000 | Compare |
|
36 Mo CD
|
0.40% | $100,000 | Compare |
|
48 Mo CD
|
0.50% | $10,000 | Compare |
|
48 Mo CD
|
0.50% | $100,000 | Compare |
|
60 Mo CD
|
0.60% | $10,000 | Compare |
|
60 Mo CD
|
0.60% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.05% | $2,500 | Compare |
|
Money Market
|
0.05% | $10,000 | Compare |
|
Money Market
|
0.05% | $25,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.03% | $2,500 |
Loan Rates - March 23, 2026
| MORTGAGE PURCHASE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
5 Year Adjustable Conforming
|
7.85% | $2,050.05 |
|
7 Year Adjustable Conforming
|
7.70% | $2,075.51 |
|
15 Year Fixed Conforming
|
6.69% | $2,810.46 |
|
20 Year Fixed Conforming
|
7.05% | $2,480.96 |
|
30 Year Fixed Conforming
|
7.16% | $2,156.98 |
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
| MORTGAGE REFINANCE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
5 Year Adjustable Conforming
|
7.85% | $2,050.05 |
|
7 Year Adjustable Conforming
|
7.70% | $2,075.51 |
|
15 Year Fixed Conforming
|
6.69% | $2,810.46 |
|
20 Year Fixed Conforming
|
7.05% | $2,480.96 |
|
30 Year Fixed Conforming
|
7.16% | $2,156.98 |
|
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
| HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
|---|---|---|---|---|
|
Line of Credit
|
5.25% | Varies | ||
Compare with 0 RATE Line of Credit from Figure Home Equity Line
|
||||
Compare with 6.24 RATE Line of Credit from Third Federal Savings and Loan
|
||||
Compare with 6.75 RATE Line of Credit from Farmers Bank of Kansas City
|
||||
Compare with 6.95 RATE Line of Credit from Figure Home Equity
|
||||
Compare with 6.95 RATE Line of Credit from Reliant Home Funding, Inc
|
||||
Compare with 7 RATE Line of Credit from Four Leaf Federal Credit Union
|
||||
|
10 Year Loan
|
4.24% | $1,023.90 | ||
|
15 Year Loan
|
4.74% | $777.32 | ||
Overview 2026
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 27290 |
| Date Established | 1988 |
| Assets | $ 1,155.01 million |
| Loans | $ 963.84 million |
| Deposits | $ 719.80 million |
| Capital | $ 101.03 million |
Summary Balance Sheet as of September 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 39.30 million |
| Interest-bearing balances | $ 30.33 million |
| Total securities | $ 117.81 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 963.84 million |
| Loan loss allowance | $ 10.05 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 1.51 million |
| All other assets | $ 18.60 million |
| Total Assets | $ 1,053.98 million |
| LIABILITIES | |
| Total deposits | $ 719.80 million |
| Interest-bearing deposits | $ 559.85 million |
| Deposits held in domestic offices | $ 719.80 million |
| % insured (estimated)" | 73.73% |
| Federal funds purchased and repurchase agreements | $ 265.00 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 8.35 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 20.62 millionn |
| Total Liabilities | $ 1,053.98 million |
| Shareholders’ Equity | $ 101.03 million |
Summary Income Statement as of September 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 39.81 million |
| Total Interest Expense | $ 21.99 million |
| Net interest income | $ 17.82 million |
| Provision for loan and lease losses | $ 1.59 million |
| Total non interest income | $ 3.88 million |
| Total non interest expense | $ 11.24 million |
| Pre-tax Net Operating Income | $ 7.99 million |
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