Ballston Spa Bancorp, Inc. (BSPA)
OTCMKTS · Delayed Price · Currency is USD
80.20
0.00 (0.00%)
Sep 14, 2026, 4:00 PM EST
Ballston Spa Bancorp Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 | 93.14 | 28.15 | 25.74 | 23.74 | 21.89 | 143.77 |
Investment Securities | 61.1 | 20.46 | 25.8 | 26.89 | 58.41 | 44.63 |
Trading Asset Securities | - | 0.01 | 0.03 | 0.05 | - | - |
Mortgage-Backed Securities | 53.93 | 46.1 | 51.15 | 37.74 | 23.56 | 26.26 |
Total Investments | 115.03 | 66.57 | 76.99 | 64.67 | 81.97 | 70.89 |
Gross Loans | 1,110 | 803.22 | 763.98 | 708.87 | 627.65 | 533.02 |
Allowance for Loan Losses | -13.14 | -8.75 | -8.55 | -8.08 | -8.35 | -8.08 |
Net Loans | 1,097 | 794.47 | 755.44 | 700.79 | 619.3 | 524.94 |
Property, Plant & Equipment | 18.82 | 12.45 | 10.34 | 10.4 | 10.18 | 9.13 |
Goodwill | 2.05 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 |
Accrued Interest Receivable | 4.53 | 3.14 | 3.17 | 2.77 | 2.37 | 1.73 |
Other Long-Term Assets | 20.25 | 14.22 | 13.55 | 12.78 | 13.01 | 11.13 |
Total Assets | 1,365 | 928.5 | 896.32 | 823.53 | 755.78 | 768.37 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Interest Bearing Deposits | 908.13 | 587.9 | 530.01 | 527.15 | 510.16 | 543.74 |
Institutional Deposits | 32.7 | 28.8 | 21.6 | 12.8 | - | - |
Non-Interest Bearing Deposits | 259.12 | 148.54 | 144.3 | 149.29 | 147.4 | 140.81 |
Total Deposits | 1,200 | 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 | 17.3 | 20 | 30 | 30 | - | - |
Long-Term Leases | - | 0.28 | 0.23 | 0.37 | - | - |
Trust Preferred Securities | 39.94 | 7.75 | 7.75 | 7.75 | 12.91 | 12.91 |
Other Long-Term Liabilities | 12.53 | 9.98 | 9.7 | 9.45 | 10.59 | 11.05 |
Total Liabilities | 1,270 | 857.36 | 830.09 | 761.86 | 703.05 | 718.5 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Common Stock | 14.37 | 9.6 | 9.6 | 9.6 | 9.6 | 9.6 |
Additional Paid-In Capital | 22.9 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
Retained Earnings | 60.79 | 61.87 | 58.32 | 54.17 | 48.02 | 42.91 |
Treasury Stock | -3.25 | -0.99 | -0.99 | -0.99 | -0.99 | -0.99 |
Comprehensive Income & Other | 0.08 | 0.61 | -0.74 | -1.15 | -3.94 | -1.68 |
Shareholders' Equity | 94.89 | 71.14 | 66.23 | 61.67 | 52.73 | 49.87 |
Total Liabilities & Equity | 1,365 | 928.5 | 896.32 | 823.53 | 755.78 | 768.37 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Total Debt | 57.23 | 82.15 | 124.48 | 63.17 | 34.91 | 22.91 |
Net Cash (Debt) | 35.91 | -54 | -98.7 | -39.39 | -13.02 | 120.86 |
Net Cash Growth | - | - | - | - | - | 96.34% |
Net Cash Per Share | 43.16 | -72.71 | -132.91 | -53.04 | -17.53 | 162.74 |
Filing Date Shares Outstanding | 1.1 | 1.13 | 0.74 | 0.74 | 0.74 | 0.74 |
Total Common Shares Outstanding | 1.1 | 0.74 | 0.74 | 0.74 | 0.74 | 0.74 |
Book Value Per Share | 86.26 | 95.79 | 89.18 | 83.04 | 71.00 | 67.16 |
Tangible Book Value | 86.07 | 69.54 | 64.64 | 60.08 | 51.14 | 48.28 |
Tangible Book Value Per Share | 78.24 | 93.64 | 87.03 | 80.89 | 68.85 | 65.01 |