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Ballston Spa Bancorp, Inc. (BSPA)
Ballston Spa Bancorp, Inc. (BSPA)
Income Statement
|
Cash Flow
|
Balance Sheet
|
Ratios
Balance Sheets Overview
Debt to Asset Ratio
93.05%
Unit: Thousand (K) dollars
Assets Breakdown
Total gross loans
Short-term investments
Premises and equipment, net
Others
Liabilities Breakdown
Now and money market
Demand deposits
Savings accounts
Others
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Page 1
Quarterly
123
Page 1
Balance Sheets
2026-06-30
2026-03-31
Cash and due from banks
16,193
7,588
Short-term investments
76,948
40,229
Cash and cash equivalents
93,141
47,817
Securities available for sale, at fair value (amortized cost 116,022 and 66,461)
115,033
62,694
Federal home loan bank of new york ('fhlb') and federal reserve bank ('frb') stock, at cost
7,047
5,716
Total gross loans
1,108,767
799,641
Unearned discount and net deferred fees and costs
1,340
1,546
Loans
1,110,107
801,187
Allowance for credit losses
13,138
8,916
Net loans
1,096,969
792,271
Premises and equipment, net
18,815
12,695
Accrued interest receivable
4,528
3,128
Goodwill
2,046
1,595
Core deposit intangible
6,775
-
Bank-owned life insurance
5,722
5,679
Other assets
14,523
9,971
Total assets
1,364,599
941,566
Demand deposits
259,116
146,255
Savings accounts
179,290
85,415
Now and money market
491,253
424,776
Time deposits
270,282
151,293
Total deposits
1,199,941
807,739
Fhlb borrowings, long-term
17,298
20,000
Junior subordinated debentures
39,936
33,194
Other liabilities
12,531
9,966
Total liabilities
1,269,706
870,899
Common stock, 12.50 par value. authorized 10,000,000 sharesissued 1,149,544 as of june 30, 2026 and issued 768,000 shares as of december 31, 2025
14,369
9,600
Additional paid in capital
22,904
42
Treasury stock, at cost 49,473 shares as of june 30, 2026 and 25,337 shares as of december 31, 2025
3,246
991
Retained earnings
60,790
61,873
Accumulated other comprehensive income/(loss)
76
143
Total shareholders' equity
94,893
70,667
Total liabilities and shareholders' equity
1,364,599
941,566
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Balance Sheets
Total gross loans
$1,108,767K
Unearned discount and net
deferred fees and costs
$1,340K
Loans
$1,110,107K
Short-term investments
$76,948K
Cash and due from
banks
$16,193K
Net loans
$1,096,969K
Securities available for
sale, at fair value...
$115,033K
Cash and cash
equivalents
$93,141K
Premises and equipment,
net
$18,815K
Other assets
$14,523K
Federal home loan bank of
new york ('fhlb')...
$7,047K
Core deposit
intangible
$6,775K
Bank-owned life insurance
$5,722K
Accrued interest
receivable
$4,528K
Goodwill
$2,046K
Allowance for credit
losses
$13,138K
Total assets
$1,364,599K
Total liabilities and
shareholders' equity
$1,364,599K
Total liabilities
$1,269,706K
Total shareholders'
equity
$94,893K
Treasury stock, at cost
49,473 shares as of june...
$3,246K
Total deposits
$1,199,941K
Junior subordinated
debentures
$39,936K
Fhlb borrowings,
long-term
$17,298K
Other liabilities
$12,531K
Retained earnings
$60,790K
Additional paid in capital
$22,904K
Common stock, 12.50 par
value. authorized...
$14,369K
Accumulated other
comprehensive income/(loss)
$76K
Now and money market
$491,253K
Time deposits
$270,282K
Demand deposits
$259,116K
Savings accounts
$179,290K
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