Bank · FDIC insured
BSNB, Coxsackie Bank Division
A $1.4B bank headquartered in Ballston Spa, NY, with 21 branches in New York. Best rates: CDs 4.00% and savings 0.05% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.00%CD rates →
- Savings632.00%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About BSNB, Coxsackie Bank Division
NBCoxsackie and Ballston Spa National Bank (BSNB) merged, operating as BSNB, Coxsackie Bank Division.
The institution has served as a local bank since 1852.
- Headquarters
- 87 Front St, Ballston Spa, NY 12020
- FDIC certificate
- 6959 ↗
Branches
21 branches in New York
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New York
21 branches
Albany area · 16
- Ballston Spa National BankMain office87 Front St, Ballston Spa, NY 12020Directions
- Guilderland Branch1973 Western Ave, Albany, NY 12203Directions
- Corporate Office Branch990 State Route 67, Ballston Spa, NY 12020Directions
- Burnt Hills Branch770 Saratoga Rd, Burnt Hills, NY 12027Directions
- Clifton Park Branch1714 Route 9, Clifton Park, NY 12065Directions
- Galway Branch5091 Sacandaga Rd, Galway, NY 12074Directions
- Glenmont Branch331 Route 9w, Glenmont, NY 12077Directions
- Greenfield Center Branch3060 Route 9n, Greenfield Center, NY 12833Directions
- Latham Office Branch1202 Troy Schenectady Road, Latham, NY 12110Directions
- Malta Branch124 Dunning St, Malta, NY 12020Directions
- Middleburgh Branch4507 State Route 30, Middleburgh, NY 12122Directions
- Milton Crest Branch344 Rowland Street, Milton, NY 12020Directions
- Ravena Branch2480 Us Route 9w, Ravena, NY 12143Directions
- Stillwater Branch428 Hudson Ave, Stillwater, NY 12170Directions
- Voorheesville Br13 Maple Rd, Voorheesville, NY 12186Directions
- Wilton OfficeRoute 9, Wilton, NY 12866Directions
Athens area · 1
- Athens Branch1 N Washington St, Athens, NY 12015Directions
Cairo area · 1
- Cairo Branch76 Main St, Cairo, NY 12413Directions
Coxsackie area · 1
- The National Bank Of Coxsackie Branch3 Reed St, Coxsackie, NY 12051Directions
Greenville area · 1
- Greenville Branch6500 Rt 81, Greenville, NY 12083Directions
West Coxsackie area · 1
- West Coxsackie BranchRoute 385 And State Route 9w, West Coxsackie, NY 12192Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.74% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.23% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.09% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $92 | $88 | — |
- CapitalLeverage ratio8.74%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.23%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.09%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$92Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of BSNB, Coxsackie Bank Division are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.