National Bank of Coxsackie

National Bank of Coxsackie is a 170-year-old privately held community bank, now operating as BSNB Coxsackie Bank Division post-merger, serving consumers and small-to-mid-size businesses across New York's Capital District via 21 branches and digital channels.

Company typePrivate
Founded1852
HeadquartersCoxsackie, United States
Headcount51–100
GTM typeB2B and B2C
OfferingServices

What National Bank of Coxsackie does

National Bank of Coxsackie is a privately held, FDIC-insured community bank founded in 1852 and headquartered in Coxsackie, New York. As of April 1, 2026, it operates as a division of Ballston Spa National Bank following a merger of equals with Ballston Spa Bancorp, Inc., under the trade name "BSNB, Coxsackie Bank Division." The combined entity operates 21 full-service branches across Albany, Greene, Saratoga, and Schoharie Counties with approximately $1.3 billion in total assets and a headcount in the 51-100 range. NBC historically ran 9 branches concentrated in Greene County and surrounding Capital District communities, supported by a customer base spanning individual consumers, small-to-mid-size businesses, young adults/minors, and seniors aged 55+.

The bank delivers a full-service community banking platform including personal and business deposit products (Freedom Checking earning 2.00% APY on balances up to $20,000, Basic Checking, Freedom 55, Smart Start, Personal/Business Smart Yield Money Market at up to 3.00% APY, Statement Savings, IRAs, CDs at up to 3.60% APY, Holiday Clubs); consumer lending (HELOC at 6.75% APR Prime-only, home equity loans, secured/unsecured personal loans, diversified auto/boat/RV/motorcycle/farm-equipment loans); commercial banking (business checking, commercial mortgages, construction, lines of credit, letters of credit); and treasury management (ACH, remote deposit capture, cash management, merchant services via Clover). Digital banking is delivered via third-party platforms — Apiture for online/mobile banking, FundsXpress for backend, Fiserv for CardValet debit controls — and incorporates Zelle for P2P (including a small-business variant), SavvyMoney for credit-score monitoring, mobile check deposit, bill pay, e-statements, and text banking. Wealth, trust, insurance, and retirement-plan services are layered on through Osaic Institutions Financial Advisors and Homestead Funding Corp handles residential mortgage origination referrals.

The business model is a standard community-bank net-interest-margin-plus-fee model. Revenue is generated primarily through interest-rate spread on the loan portfolio (mortgages, home equity, consumer, commercial), augmented by deposit-account, overdraft, ATM, wire, safe deposit box, and merchant-services fees. Customer acquisition is relationship-led through physical branches, supported by a corporate website (nbcoxsackie.com) and a Facebook presence; retention is anchored by local decision-making, generational relationships, and digital self-service. The Bank maintains FDIC membership, Equal Housing Lender designation, and USA PATRIOT Act compliance.

National Bank of Coxsackie firmographics

Firmographics

Name: National Bank of Coxsackie
Legal name: National Bank of Coxsackie
Website: https://nbcoxsackie.com
Company type: Private
Founded year: 1852
Operating status: Acquired
Headcount range: 51–100 employees
Short description: National Bank of Coxsackie is a 170-year-old privately held community bank, now operating as BSNB Coxsackie Bank Division post-merger, serving consumers and small-to-mid-size businesses across New York's Capital District via 21 branches and digital channels.
Ownership category
akta.pro rank

National Bank of Coxsackie industry classification

Industry

Product category: Community Banking
NAICS: Commercial Banking (52211), Depository Credit Intermediation (5221)
SIC: State Commercial Banks (6022)
akta.pro primary industry: Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
akta.pro secondary industry: Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

Community banking
Retail banking services
Commercial lending
Mortgage lending
Cash management services

Where National Bank of Coxsackie is headquartered

Location

Headquarters

HQ city: Coxsackie
HQ country: United States
HQ region: North America

Offices10 records

Markets served

National Bank of Coxsackie business model

Business model

GTM type: B2B and B2C
Offering type: Services
Cost components: Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

Interest Income from Loans: Primary revenue from interest earned on lending products including mortgages, home equity loans/lines, personal loans, auto loans, and commercial loans
Deposit Interest Spread: Earning interest margin by lending deposited funds at higher rates than paid to depositors on checking, savings, and CD accounts
Fee Income: Various fees including overdraft protection fees, ATM fees, wire transfer fees, safe deposit box rental, and merchant services fees
Safe Deposit Box Rental: Annual rental fees for safe deposit boxes available at all branches

Pricing tiers

Model	Billing	Price
Subscription	Annual	Business CDs with terms from 6-15 months
Subscription	Monthly	Business Statement Savings
Subscription	Monthly	Business Smart Yield Money Market - 4 tiered structure
Subscription	Monthly	Freedom Checking with rewards
Subscription	Monthly	Home Equity Line of Credit
Unit Pricing	Monthly	Home Equity Loans by term
Usage-based	Monthly	Overdraft Coverage Line

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

National Bank of Coxsackie product offering

Product offering

Core offering

National Bank of Coxsackie is a community bank providing deposit accounts, consumer and commercial lending, mortgages, debit cards, and digital banking for individuals and small-to-mid-sized businesses across the Hudson Valley. It also offers wealth and investment services, cash management, merchant services, and remote deposit capture for businesses, non-profits, municipalities, and IOLTA-eligible customers.

Product overview

National Bank of Coxsackie, now operating as BSNB Coxsackie Bank Division following its April 2026 merger with Ballston Spa Bancorp, offers a comprehensive community banking platform with personal, business, and digital banking products. The core banking infrastructure includes multiple checking and savings accounts (Freedom Checking, Basic Personal Checking, Freedom 55, Personal/Business Smart Yield Money Market, Statement Savings, IRAs, CDs, Holiday Clubs, Young Adult accounts) alongside lending products (consumer loans, home equity, mortgages, business loans). Digital banking is delivered through Online Banking and Mobile Banking platforms integrating Zelle payments, SavvyMoney credit monitoring, CardValet debit controls, Bill Pay, E-Statements, Mobile Check Deposit, and Text Banking. Business services include Cash Management with ACH capabilities, Commercial Remote Deposit Capture, Merchant Services via Clover, and Business Smart Yield Money Market accounts. The bank operates 9 branches in the Capital District region of New York.

Differentiator

Problem solved

Functional benefit

Products and services

Freedom Checking A free personal checking account for individuals featuring online and mobile banking, bill pay, person-to-person payments, debit cards, and eStatements; serves everyday banking needs of consumer households.
Freedom 55 Checking
Smart Start Checking
VIB (Very Important Banker) Checking
Personal Savings Account
Personal Money Market Account
Certificates of Deposit (CDs)
Basic Business Checking
Business Smart Yield Account
Non-Profit Business Checking
IOLTA Account
Business Savings and Money Market
Business CDs
Cash Management Services
Merchant Services
Commercial Remote Deposit Capture (Commercial RDC)
Mortgages
Home Equity Loans and Lines of Credit (HELOC)
Personal Loans and Auto Loans
Credit Cards
Mastercard Debit Cards
Wealth Management and Investment Services
Online and Mobile Banking
MoneyPass ATM Network Access

Companies that use National Bank of Coxsackie

Customer profile

Segments4 records

Ideal customer profiles2 records

National Bank of Coxsackie technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Integration10 records

Feature5 records

National Bank of Coxsackie partnerships and signals

Strategic signal

Partnerships

Three partnerships are on record, tiered core.

Ballston Spa Bancorp, Inc. / BSNBcoreStrategic or Co-development Partner · 1 April 2026Strategic merger of equals creating a $1.3 billion community bank. NBC and The National Bank of Coxsackie merged into BSNB and Ballston Spa National Bank respectively. NBC shareholders received 0.8065 BSNB shares per share. Combined entity operates 21 branches across Albany, Greene, Saratoga, and Schoharie Counties.
Homestead Funding CorpcoreChannel Partner/ Reseller/ DistributorLicensed mortgage banker providing home financing options. Headquartered in Albany, NY. Consistently ranked as number one Residential Mortgage Lender by Albany Business Review since 1992. Offers local in-house underwriting, processing, closing and funding.
Zelle (Early Warning Services, LLC)coreTechnology or IntegrationFast, safe payment service for sending and receiving money directly between bank accounts, typically within minutes. Integrated into online and mobile banking.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

National Bank of Coxsackie competitors and assessment

Company assessment

Broad incumbents

Berkshire Hills Bancorp, Inc. Northeast US community bank holding company (NY/MA/CT/NH/VT) with overlapping consumer and small-business banking, similar community-bank positioning, and slightly larger scale — provides a relevant out-of-region comparable for Capital District expansion scenarios.
Tompkins Financial Corporation: Upstate NY-based community bank with comparable full-service retail/SMB banking, wealth management, and similar customer segments — a slightly larger multi-county peer with relevant community-bank operating benchmarks.
Community Bank System, Inc. Large Upstate NY-headquartered community bank holding company with comparable consumer/business banking model but substantially greater scale — exemplifies what successful community-bank roll-up looks like and sets competitive context for the Capital District.
NBT Bancorp Inc. Larger Upstate NY regional bank (multi-billion in assets) with similar consumer/SMB banking franchise across NY, PA, VT, and MA — represents the scale-up trajectory and competitive benchmark for community-bank consolidation in the region.

Direct peers

Arrow Financial Corporation: Upstate NY community bank holding company (Glens Falls/Adirondack region) with similar size, consumer/SMB banking focus, and branch-driven community model — close peer in scale and operating philosophy.
Ballston Spa National Bank (BSNB): The merger-partner and current parent entity. BSNB now owns the combined franchise; pre-merger it was a similarly sized NY community bank with overlapping Capital District footprint and nearly identical consumer/business banking product mix — the most direct one-to-one comparable.
Evans Bancorp, Inc. Western NY community bank (Buffalo metro) with similar asset size, community-bank model, consumer/SMB lending, and branch-based distribution — a closely comparable Western NY counterpart.
Chemung Financial Corporation: Upstate NY-based community bank holding company with overlapping consumer/SMB banking, branch-based distribution, and similar scale tier — provides a Southern Tier NY comparable relevant to Capital District M&A patterns.
Trustco Bank Corp. Upstate NY-based community bank with similar mass-market consumer and small-business focus, comparable branch model in capital region-adjacent counties, and overlapping deposit/lending product mix — a clean size and geography comparable.
Financial Institutions, Inc. (Five Star Bank): Western/New York community bank with similar SMB and consumer banking focus, comparable asset size, and community-bank operating model — close in scale and product mix.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

National Bank of Coxsackie compliance and trust

Trust signal

Compliance3 records

National Bank of Coxsackie financial estimates

Financial estimate

Revenue estimate

Valuation estimate

National Bank of Coxsackie leadership team

Management profile

Number of profiles

Profiles4 records

National Bank of Coxsackie funding detail

Funding detail

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

National Bank of Coxsackie M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about National Bank of Coxsackie

What does National Bank of Coxsackie do?

Is National Bank of Coxsackie a public or private company?

National Bank of Coxsackie is a private company. It is classified as public and is currently acquired.

When was National Bank of Coxsackie founded?

National Bank of Coxsackie was founded in 1852. It employs 51 to 100 people.

Where is National Bank of Coxsackie based?

National Bank of Coxsackie is headquartered in Coxsackie, United States, in the North America region.

How does National Bank of Coxsackie make money?

Four revenue lines are on record. Interest Income from Loans are the primary driver. The others are deposit Interest Spread, fee Income and safe Deposit Box Rental.

Who are National Bank of Coxsackie's main competitors?

Broad incumbents on record are Berkshire Hills Bancorp, Inc., Tompkins Financial Corporation, Community Bank System, Inc. and NBT Bancorp Inc.. Direct peers are Arrow Financial Corporation, Ballston Spa National Bank (BSNB), Evans Bancorp, Inc., Chemung Financial Corporation, Trustco Bank Corp. and Financial Institutions, Inc. (Five Star Bank).

Does National Bank of Coxsackie have an API?

No public API is recorded for National Bank of Coxsackie.

What industry is National Bank of Coxsackie in?

National Bank of Coxsackie's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 52211 and its SIC code is 6022.