SARATOGA NATIONAL BANK&TRUST
SARATOGA SPRINGS, NEW YORK · FDIC Cert #27290
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.
Frequently Asked Questions
SARATOGA NATIONAL BANK&TRUST has a Bank Health Score of B (72/100). 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.
SARATOGA NATIONAL BANK&TRUST holds $1.1B in total assets and $741M in total deposits. It is located in SARATOGA SPRINGS, NEW YORK (FDIC Certificate #27290).
SARATOGA NATIONAL BANK&TRUST has a Tier 1 capital ratio of 12.21%, classifying it as "Well-Capitalized." The 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. Even if a bank fails, insured depositors typically regain access to funds within two business days.