Ballston Spa Bancorp, Inc. (BSPA)
OTCMKTS · Delayed Price · Currency is USD
78.19
-0.06 (-0.08%)
Aug 5, 2026, 3:51 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 | Mar '26 Mar 31, 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 | 47.82 | 28.15 | 25.74 | 23.74 | 21.89 | 143.77 |
Investment Securities | 20.36 | 20.46 | 25.8 | 26.89 | 58.41 | 44.63 |
Trading Asset Securities | - | 0.01 | 0.03 | 0.05 | - | - |
Mortgage-Backed Securities | 42.33 | 46.1 | 51.15 | 37.74 | 23.56 | 26.26 |
Total Investments | 62.69 | 66.57 | 76.99 | 64.67 | 81.97 | 70.89 |
Gross Loans | 801.19 | 803.22 | 763.98 | 708.87 | 627.65 | 533.02 |
Allowance for Loan Losses | -8.92 | -8.75 | -8.55 | -8.08 | -8.35 | -8.08 |
Net Loans | 792.27 | 794.47 | 755.44 | 700.79 | 619.3 | 524.94 |
Property, Plant & Equipment | 12.7 | 12.45 | 10.34 | 10.4 | 10.18 | 9.13 |
Goodwill | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 |
Accrued Interest Receivable | 3.13 | 3.14 | 3.17 | 2.77 | 2.37 | 1.73 |
Other Long-Term Assets | 15.65 | 14.22 | 13.55 | 12.78 | 13.01 | 11.13 |
Total Assets | 941.57 | 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 | Mar '26 Mar 31, 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 | 624.98 | 587.9 | 530.01 | 527.15 | 510.16 | 543.74 |
Institutional Deposits | 36.5 | 28.8 | 21.6 | 12.8 | - | - |
Non-Interest Bearing Deposits | 146.26 | 148.54 | 144.3 | 149.29 | 147.4 | 140.81 |
Total Deposits | 807.74 | 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 | 20 | 30 | 30 | - | - |
Long-Term Leases | - | 0.28 | 0.23 | 0.37 | - | - |
Trust Preferred Securities | 33.19 | 7.75 | 7.75 | 7.75 | 12.91 | 12.91 |
Other Long-Term Liabilities | 9.97 | 9.98 | 9.7 | 9.45 | 10.59 | 11.05 |
Total Liabilities | 870.9 | 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 | Mar '26 Mar 31, 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 | 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 | 61.87 | 61.87 | 58.32 | 54.17 | 48.02 | 42.91 |
Treasury Stock | -0.99 | -0.99 | -0.99 | -0.99 | -0.99 | -0.99 |
Comprehensive Income & Other | 0.14 | 0.61 | -0.74 | -1.15 | -3.94 | -1.68 |
Shareholders' Equity | 70.67 | 71.14 | 66.23 | 61.67 | 52.73 | 49.87 |
Total Liabilities & Equity | 941.57 | 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 | Mar '26 Mar 31, 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 | 53.19 | 82.15 | 124.48 | 63.17 | 34.91 | 22.91 |
Net Cash (Debt) | -5.38 | -54 | -98.7 | -39.39 | -13.02 | 120.86 |
Net Cash Growth | - | - | - | - | - | 96.34% |
Net Cash Per Share | -7.24 | -72.71 | -132.91 | -53.04 | -17.53 | 162.74 |
Filing Date Shares Outstanding | 1.13 | 1.13 | 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 | 95.15 | 95.79 | 89.18 | 83.04 | 71.00 | 67.16 |
Tangible Book Value | 69.07 | 69.54 | 64.64 | 60.08 | 51.14 | 48.28 |
Tangible Book Value Per Share | 93.01 | 93.64 | 87.03 | 80.89 | 68.85 | 65.01 |