Ballston Spa Bancorp, Inc. (BSPA)

Ballston Spa Bancorp Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	45.33	38.65	35.48	29.65	22.48	21.18
Interest Income on Investments	4.98	4.29	4.42	4.59	3.13	1.73
Total Interest Income	50.31	42.93	39.9	34.24	25.61	22.91
Interest Paid on Deposits	16.2	13.36	12.59	8.19	1.69	0.86
Interest Paid on Borrowings	3.32	3.56	3.57	2.66	1.02	1.06
Total Interest Expense	19.52	16.92	16.16	10.85	2.71	1.92
Net Interest Income	30.79	26.01	23.74	23.38	22.9	20.99
Net Interest Income Growth	24.85%	9.57%	1.51%	2.10%	9.11%	4.32%
Trust Income	1.63	1.55	1.48	1.24	1.1	1.19
Gain (Loss) on Sale of Assets	-	-	-	-	-	0.49
Gain (Loss) on Sale of Investments	-	-	-	-1.36	-1.13	-
Other Non-Interest Income	2.3	1.79	1.82	1.42	2.03	1.81
Total Non-Interest Income	5.17	4.3	4	1.91	2.67	4.47
Non-Interest Income Growth	34.13%	7.49%	109.63%	-28.52%	-40.24%	4.41%
Revenues Before Loan Losses	35.96	30.31	27.74	25.29	25.58	25.46
Provision for Loan Losses	0.51	0.63	0.6	0.48	0.36	0.76
Revenue	35.45	29.68	27.14	24.81	25.22	24.71
Revenue Growth	26.71%	9.37%	9.38%	-1.59%	2.06%	6.32%
Salaries and Employee Benefits	16.69	14.06	12.79	11.94	10.71	11.36
Occupancy Expenses	3.3	2.52	2.01	1.9	1.8	1.71
Federal Deposit Insurance	0.91	0.79	0.79	0.73	0.52	0.52
Selling, General & Administrative	2.92	2.33	2.54	2.32	2.34	1.92
Other Non-Interest Expense	3.66	2.86	2.69	2.67	2.65	2.53
Total Non-Interest Expense	27.48	22.55	20.82	19.57	18.01	18.04
EBT Excluding Unusual Items	7.98	7.13	6.32	5.25	7.2	6.67
Pretax Income	1.83	5.6	6.32	5.25	7.2	6.67
Income Tax Expense	0.3	1.07	1.19	0.84	1.11	1.51
Net Income	1.54	4.54	5.13	4.41	6.09	5.15
Net Income to Common	1.54	4.54	5.13	4.41	6.09	5.15
Net Income Growth	-70.31%	-11.52%	16.46%	-27.70%	18.22%	3.31%
Basic Shares Outstanding	1	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1	1
Shares Change	11.96%	-	-	-	-	-
EPS (Basic)	1.85	6.11	6.91	5.93	8.20	6.94
EPS (Diluted)	1.85	6.11	6.91	5.93	8.20	6.94
EPS Growth	-73.48%	-11.52%	16.46%	-27.70%	18.22%	3.31%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	1.320	1.320	1.320	1.320	1.320	1.320
Dividend Growth	0%	0%	0%	0%	0%	0%
Effective Tax Rate	16.25%	19.00%	18.86%	16.01%	15.39%	22.71%

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 21, 2026

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