Ballston Spa National Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $942M | $814M | $792M | $98M | $424K | 0.18% | 1.92% | 3.12% | 0.10% |
| Q4 2025 | $929M | $766M | $794M | $78M | $910K | 0.55% | 6.55% | 3.06% | 0.17% |
| Q3 2025 | $914M | $808M | $785M | $77M | $1M | 0.60% | 7.20% | 3.04% | 0.12% |
| Q2 2025 | $913M | $714M | $773M | $77M | $1M | 0.61% | 7.33% | 3.02% | 0.07% |
| Q1 2025 | $899M | $741M | $763M | $76M | $1M | 0.63% | 7.57% | 3.06% | 0.15% |
| Q4 2024 | $896M | $696M | $755M | $74M | $1M | 0.60% | 7.44% | 2.96% | 0.15% |
| Q3 2024 | $877M | $767M | $748M | $69M | $1M | 0.60% | 7.49% | 2.97% | 0.19% |
| Q2 2024 | $858M | $703M | $733M | $67M | $1M | 0.57% | 7.15% | 2.99% | 0.26% |
| Q1 2024 | $849M | $733M | $718M | $66M | $1M | 0.57% | 7.15% | 3.00% | 0.16% |
| Q4 2023 | $821M | $690M | $701M | $68M | $739K | 0.60% | 7.56% | 3.13% | 0.18% |
| Q3 2023 | $902M | $799M | $676M | $62M | $1M | 0.68% | 8.66% | 3.12% | 0.24% |
| Q2 2023 | $798M | $625M | $663M | $62M | $1M | 0.73% | 8.85% | 3.27% | 0.22% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.