Saratoga County, New York

• Ballston Spa National BankApproaching
  Ballston Spa, NY$1.4B—87.9% of bank deposits
• The Adirondack Trust CompanyBelow
  Saratoga Springs, NY$1.7B—87.8% of bank deposits
• Arrow Bank National AssociationBelow
  Glens Falls, NY$4.5B—26.2% of bank deposits
• Pioneer Bank, National AssociationBelow
  Albany, NY$2.3B—13.2% of bank deposits
• TrustCo BankBelow
  Glenville, NY$6.5B—13.1% of bank deposits
• First National Bank of ScotiaBelow
  Scotia, NY$0.7B—9.1% of bank deposits
• Chemung Canal Trust CompanyConcentrated
  Elmira, NY$2.8B300%+, growth test not met5.0% of bank deposits
• NBT Bank, National AssociationBelow
  Norwich, NY$16B—2.3% of bank deposits

A bank can meet more than one condition at once, so the county counts above the table add up to more than the number of banks. Each row shows the strongest condition that bank meets.

What this means

None of the 8 banks under $100B in assets with a branch in Saratoga County are above a regulatory CRE concentration threshold this quarter. Another 1 carries commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 3.1%. 2 more sit within one quarter of a threshold.

Coverage is 58%: the rest of the deposits in Saratoga County sit in banks above the $100B threshold, which this report does not evaluate. Concentration is exposure, not loss. A bank above a threshold is one the 2006 interagency guidance expects to hold more capital and document its underwriting, not one that has lost money. We tested whether counties in the top quartile of this score went on to deteriorate faster over the following eight quarters, and found no relationship. The backtest is published in full.