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Advertiser Disclosure
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 Ballston Spa National Bank Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 11, 2026
Ballston Spa National Bank's top rates as of October 11, 2026 are 4.00% APY on its 9-Month CD/IRA, 0.05% APY on savings, 3.35% APY on money market accounts, 0.05% APY on checking, and personal loans from 6.99% APR, according to rates verified by MonitorBankRates. Other Ballston Spa National Bank CD rates include 6-Month CD/IRA at 3.60%, and 15-Month CD/IRA at 3.20%. MonitorBankRates evaluates the financial stability of Ballston Spa National Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.90%. Rates last updated and verified on 10/11/2026. Ballston Spa National Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Ballston Spa National Bank? Share your experience about Ballston Spa National Bank by leaving a review below, or read customer reviews before you decide to use Ballston Spa National Bank. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Ballston Spa National Bank CD Rates
Ballston Spa National Bank Savings Rates
Ballston Spa National Bank Money Market Rates
Ballston Spa National Bank Checking Rates
Ballston Spa National Bank Auto Loan Rates
Ballston Spa National Bank RV, Boat and Powersport Loan Rates
Ballston Spa National Bank Personal Loan Rates
Ballston Spa National Bank Other Rates
Financial Health HistoryBallston Spa National Bank’s Texas Ratio fell from 2.61% in Q3 2023 to 1.90% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.9 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Ballston Spa National Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Ballston Spa National Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Ballston Spa National Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Ballston Spa National Bank
Bank Holding Company
BALLSTON SPA BCORP INC
Address
87 Front St,
Ballston Spa, NY 12020 · Saratoga
Website
https://www.bsnb.com/
FDIC Certificate #
6959
Established
18380101
FDIC Insurance Date
19340101
Domestic Offices
21
Total Branches
21
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
1.90%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.0891%
Return on Equity (ROE)
0.9400%
Non-Performing Loans (NPL)
0.18%
Total Assets
$1,369,479,000
Total Deposits
$1,203,419,000
Equity Capital
$131,393,000
Net Income
$481,000
Headquarters
Ballston Spa
Total Branches and Offices
21
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
There are no reviews for Ballston Spa National Bank yet. Feel free to create one below.
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Add Your Rating and Review for Ballston Spa National Bank
Frequently Asked Questions About Ballston Spa National BankHow many branches does Ballston Spa National Bank operate?Ballston Spa National Bank currently maintains approximately 21 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Ballston Spa National Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Ballston Spa National Bank provides members with tools to manage their accounts and build a solid financial history. Does Ballston Spa National Bank offer online and mobile banking?Most modern institutions like Ballston Spa National Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bsnb.com/. Current Ballston Spa National Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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