Ballston Spa Bancorp Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	28.15	25.74	23.74	21.89	143.77
Investment Securities	20.46	25.8	26.89	58.41	44.63
Trading Asset Securities	0.01	0.03	0.05	-	-
Mortgage-Backed Securities	46.1	51.15	37.74	23.56	26.26
Total Investments	66.57	76.99	64.67	81.97	70.89
Gross Loans	803.22	763.98	708.87	627.65	533.02
Allowance for Loan Losses	-8.75	-8.55	-8.08	-8.35	-8.08
Net Loans	794.47	755.44	700.79	619.3	524.94
Property, Plant & Equipment	12.45	10.34	10.4	10.18	9.13
Goodwill	1.6	1.6	1.6	1.6	1.6
Accrued Interest Receivable	3.14	3.17	2.77	2.37	1.73
Other Long-Term Assets	14.22	13.55	12.78	13.01	11.13
Total Assets	928.5	896.32	823.53	755.78	768.37
Interest Bearing Deposits	587.9	530.01	527.15	510.16	543.74
Institutional Deposits	28.8	21.6	12.8	-	-
Non-Interest Bearing Deposits	148.54	144.3	149.29	147.4	140.81
Total Deposits	765.23	695.91	689.24	657.56	684.55
Short-Term Borrowings	54	86.5	25.05	22	10
Current Portion of Leases	0.12	-	-	-	-
Federal Home Loan Bank Debt, Long-Term	20	30	30	-	-
Long-Term Leases	0.28	0.23	0.37	-	-
Trust Preferred Securities	7.75	7.75	7.75	12.91	12.91
Other Long-Term Liabilities	9.98	9.7	9.45	10.59	11.05
Total Liabilities	857.36	830.09	761.86	703.05	718.5
Common Stock	9.6	9.6	9.6	9.6	9.6
Additional Paid-In Capital	0.04	0.04	0.04	0.04	0.04
Retained Earnings	61.87	58.32	54.17	48.02	42.91
Treasury Stock	-0.99	-0.99	-0.99	-0.99	-0.99
Comprehensive Income & Other	0.61	-0.74	-1.15	-3.94	-1.68
Shareholders' Equity	71.14	66.23	61.67	52.73	49.87
Total Liabilities & Equity	928.5	896.32	823.53	755.78	768.37
Total Debt	82.15	124.48	63.17	34.91	22.91
Net Cash (Debt)	-54	-98.7	-39.39	-13.02	120.86
Net Cash Growth	-	-	-	-	96.34%
Net Cash Per Share	-72.71	-132.91	-53.04	-17.53	162.74
Filing Date Shares Outstanding	1.13	0.74	0.74	0.74	0.74
Total Common Shares Outstanding	0.74	0.74	0.74	0.74	0.74
Book Value Per Share	95.79	89.18	83.04	71.00	67.16
Tangible Book Value	69.54	64.64	60.08	51.14	48.28
Tangible Book Value Per Share	93.64	87.03	80.89	68.85	65.01

Source: S&P Global Market Intelligence. Banks template. Financial Sources.