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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

BALLSTON SPA NATIONAL BANK

FDIC #6959 · NY · period 20260630

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Total assets941,552YoY unavailable

Total deposits813,757YoY unavailable

Net loans and leases792,271YoY unavailable

Return on assets0.18%YoY unavailable

Return on equity1.92%YoY unavailable

Net interest margin3.12%YoY unavailable

Peer position

Return on assets3rdopportunity · n=902

Return on equity2ndopportunity · n=894

Net interest margin46thin line · n=902

Equity to assets35thin line · n=894

Noncurrent loans76thstrength · n=887

Liquid assets25thopportunity · n=895

Brokered deposits27thopportunity · n=890

Loans to deposits37thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2026-03-31	941,552	813,757	792,271	0.18	1.92	3.12
2026-06-30	1,369,479	1,203,419	1,096,612	0.09	0.94	3.64

Structure and branch footprint

0 current branch locations across 0 states as of Unavailable. This is an annual branch-location count, not deposit market share.

No linked NIC transformations are available for this institution.

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.