Ballston Spa Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	20.44	25.74	23.74	21.89	143.77	90.34
Investment Securities	23.86	25.8	26.89	58.41	44.63	32.7
Trading Asset Securities	-	0.03	0.05	-	-	-
Mortgage-Backed Securities	49.2	51.15	37.74	23.56	26.26	35.63
Total Investments	73.06	76.99	64.67	81.97	70.89	68.33
Gross Loans	793.35	763.98	708.87	627.65	533.02	510.25
Allowance for Loan Losses	-8.65	-8.55	-8.08	-8.35	-8.08	-7.37
Net Loans	784.71	755.44	700.79	619.3	524.94	502.87
Property, Plant & Equipment	11.41	10.34	10.4	10.18	9.13	9.82
Goodwill	1.6	1.6	1.6	1.6	1.6	1.6
Accrued Interest Receivable	3.4	3.17	2.77	2.37	1.73	1.82
Other Long-Term Assets	14.22	13.55	12.78	13.01	11.13	10.96
Total Assets	914.21	896.32	823.53	755.78	768.37	691.26
Interest Bearing Deposits	629.19	465.81	527.15	510.16	543.74	480.85
Institutional Deposits	-	85.8	12.8	-	-	-
Non-Interest Bearing Deposits	177.33	144.3	149.29	147.4	140.81	124.12
Total Deposits	806.53	695.91	689.24	657.56	684.55	604.97
Short-Term Borrowings	-	86.5	25.05	22	10	10
Current Portion of Leases	-	0.15	-	-	-	-
Federal Home Loan Bank Debt, Long-Term	20	30	30	-	-	5.88
Long-Term Leases	-	0.08	0.37	-	-	-
Trust Preferred Securities	7.75	7.75	7.75	12.91	12.91	12.91
Other Long-Term Liabilities	9.69	9.7	9.45	10.59	11.05	12.3
Total Liabilities	843.97	830.09	761.86	703.05	718.5	646.05
Common Stock	9.6	9.6	9.6	9.6	9.6	9.6
Additional Paid-In Capital	0.04	0.04	0.04	0.04	0.04	0.04
Retained Earnings	61.32	58.32	54.17	48.02	42.91	38.73
Treasury Stock	-0.99	-0.99	-0.99	-0.99	-0.99	-0.99
Comprehensive Income & Other	0.27	-0.74	-1.15	-3.94	-1.68	-2.17
Shareholders' Equity	70.24	66.23	61.67	52.73	49.87	45.21
Total Liabilities & Equity	914.21	896.32	823.53	755.78	768.37	691.26
Total Debt	27.75	124.48	63.17	34.91	22.91	28.79
Net Cash (Debt)	-7.31	-98.7	-39.39	-13.02	120.86	61.56
Net Cash Growth	-	-	-	-	96.34%	-
Net Cash Per Share	-9.85	-132.91	-53.04	-17.53	162.74	82.89
Filing Date Shares Outstanding	0.74	0.74	0.74	0.74	0.74	0.74
Total Common Shares Outstanding	0.74	0.74	0.74	0.74	0.74	0.74
Book Value Per Share	94.58	89.18	83.04	71.00	67.16	60.88
Tangible Book Value	68.65	64.64	60.08	51.14	48.28	43.62
Tangible Book Value Per Share	92.43	87.03	80.89	68.85	65.01	58.73

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.