BALLSTON SPA NATIONAL BANK
BALLSTON SPA, NEW YORK · FDIC Cert #6959
Capital & Safety Analysis
According to FDIC financial data, BALLSTON SPA NATIONAL BANK holds a Tier 1 capital ratio of 10.26%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning BALLSTON SPA NATIONAL BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
BALLSTON SPA NATIONAL BANK shows average financial health. While not alarming, its Health Score of 61/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
BALLSTON SPA NATIONAL BANK has a Bank Health Score of C (61/100). It holds a Tier 1 capital ratio of 10.26%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
BALLSTON SPA NATIONAL BANK holds $858M in total assets and $703M in total deposits. It is located in BALLSTON SPA, NEW YORK (FDIC Certificate #6959).
BALLSTON SPA NATIONAL BANK has a Tier 1 capital ratio of 10.26%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.26%, and the return on assets is 0.71%.
Yes. BALLSTON SPA NATIONAL BANK is FDIC-insured (Certificate #6959). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.