About Saratoga National Bank

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We're not just bankers; we're neighbors.

LEARN MORE about what matters to us

About Us

We know banking. And we know your community. We’re not just bankers; we’re neighbors.

There’s an advantage to banking local. Here’s how we’re different, and it’s not just our decades of perspective:

Graphic of two hands shaking. Commitment.Commitment: Forward-looking and technology-minded, we’re driven to provide you with the best experience.

Graphic of two conversation bubbles. Collaboration.Collaboration: As a full-service bank, we combine banking with the largest locally-based wealth management team and our partners at Upstate Agency, LLC for insurance, part of the Arrow family of companies.

Grahic of two hands shaking in the shape of a heart. Care.Care: We’re customer-minded and responsive. Plus, you have direct access to our local team and leadership, all located in the “518.”

Graphic of the Earth with a heart on it. Community.Community: It’s hard to top our commitment to our communities. We support hundreds of organizations that make this region a great place to live and work, through dollars, hours and partnerships.

Our History

We have been serving this region and helping our neighbors achieve their financial goals since 1988, and we're proud to serve as a cornerstone in the community through charitable giving and unmatched volunteerism.

Headquartered in Saratoga Springs, New York, we serve Albany, Rensselaer, Saratoga and Schenectady counties through 11 offices.

As a full-service commercial bank, we offer a broad range of financial services, including:

  • Online and mobile banking
  • Consumer and commercial loans
  • Trust and retirement services
  • Money market and deposit accounts
  • Wealth management
  • Insurance services

You can rely on our expert staff for sound advice and quality customer service. Call us or visit an office today to find out what we can do for you.

Awards and Recognition

Our bank is committed to providing excellent customer service and supporting the communities we serve. We are proud to be recognized for our efforts. Here are our most recent awards:


  • Recipient of BauerFinancial 5-Star rating


  • Recipient of BauerFinancial 5-Star rating
  • Ranked 83rd on American Banker's Top 200 Performing Banks with $2B to $10B in Assets*


  • Piper Sandler Sm-All Star List for Financial Performance*
  • Recipient of BauerFinancial 5-Star rating
  • Ranked 73rd on American Banker's Top 200 Performing Banks with $2B to $10B in Assets*


  • Ranked in Top 25 Banks in Rivel Pandemic Performance Survey of Customers
  • Ranked 59th on Bank Director magazine's annual "Bank Performance Scorecard"*
  • Recipient of BauerFinancial 5-Star rating

*Awarded to Arrow Financial Corporation, our parent company.