Saratoga National Bank&Trust
Saratoga Springs, New York · FDIC Cert #27290
This is the FDIC profile for Saratoga National Bank&Trust, an FDIC-insured bank (Certificate #27290) with $1.1B in total assets and $741M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Saratoga Springs, New York, the bank maintains a Tier 1 capital ratio of 12.21% (Well-Capitalized) and a nonperforming loan ratio of 0.18%. BankHealthData assigns a composite Health Grade of B (72/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Saratoga National Bank&Trust (FDIC cert 27290) is a mid-sized bank with $1.1B in total assets and $741M in deposits, based in Saratoga Springs, New York. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 12.21% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.18% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 13.9% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.06% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Saratoga National Bank&Trust carries a composite BankHealth grade of B (72/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Saratoga National Bank&Trust
- Total Assets
- $1.1B
- Total Deposits
- $741M
- Tier 1 Capital Ratio
- 12.21%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.18%
- Liquidity Ratio
- 13.89%
- Return on Assets
- 1.06%
- Headquarters
- Saratoga Springs, New York
- FDIC Certificate
- #27290
- Health Grade
- B (72/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Saratoga National Bank&Trust files quarterly Call Reports with the FDIC under Certificate #27290. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Saratoga National Bank&Trust holds a Tier 1 capital ratio of 12.21%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Saratoga National Bank&Trust has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Saratoga National Bank&Trust shows strong financial health indicators. With $1.1B in assets and a Health Score of 72/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
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.
How Saratoga National Bank&Trust Compares
Saratoga National Bank&Trust’s Health Score of 72 is 8 points below the New York state average of 80 across 130 FDIC-insured banks. Its 12.21% Tier 1 capital ratio is 1.8 points below the US banking industry average near 14%. The 0.18% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.06% is below the national ROA benchmark of ~1.1%. Among 960 similarly-sized banks, the average Health Score is 78, meaning this bank ranks below its size cohort. Site-wide, Saratoga National Bank&Trust is 8 points below the portfolio average of 80.
Frequently Asked Questions
Saratoga National Bank&Trust has a Bank Health Score of B (72/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.21%, 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.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Saratoga National Bank&Trust's Tier 1 capital ratio of 12.21% and nonperforming loan ratio of 0.18% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Saratoga National Bank&Trust is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #27290). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Saratoga National Bank&Trust holds $1.1B in total assets and $741M in total deposits. It is headquartered in Saratoga Springs, New York (FDIC Certificate #27290).
Saratoga National Bank&Trust's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #27290 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Saratoga National Bank&Trust has a Tier 1 capital ratio of 12.21%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.18%, and the return on assets is 1.06%.
Yes. Saratoga National Bank&Trust is FDIC-insured (Certificate #27290). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Saratoga National Bank&Trust's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.