Ballston Spa Bancorp, Inc. (BSPA)
OTCMKTS
· Delayed Price · Currency is USD
76.00
+1.00 (1.33%)
At close: Feb 20, 2026
Ballston Spa Bancorp Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Interest Income on Loans | 37.84 | 35.48 | 29.65 | 22.48 | 21.18 | 21.26 | Upgrade
|
| Interest Income on Investments | 4.4 | 4.42 | 4.59 | 3.13 | 1.73 | 1.83 | Upgrade
|
| Total Interest Income | 42.24 | 39.9 | 34.24 | 25.61 | 22.91 | 23.09 | Upgrade
|
| Interest Paid on Deposits | 13.12 | 12.59 | 8.19 | 1.69 | 0.86 | 1.82 | Upgrade
|
| Interest Paid on Borrowings | 3.88 | 3.57 | 2.66 | 1.02 | 1.06 | 1.15 | Upgrade
|
| Total Interest Expense | 17 | 16.16 | 10.85 | 2.71 | 1.92 | 2.97 | Upgrade
|
| Net Interest Income | 25.24 | 23.74 | 23.38 | 22.9 | 20.99 | 20.12 | Upgrade
|
| Net Interest Income Growth (YoY) | 6.14% | 1.51% | 2.10% | 9.11% | 4.32% | 9.56% | Upgrade
|
| Trust Income | 1.49 | 1.48 | 1.24 | 1.1 | 1.19 | 0.94 | Upgrade
|
| Gain (Loss) on Sale of Assets | -0.01 | - | - | - | 0.49 | - | Upgrade
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| Gain (Loss) on Sale of Investments | - | - | -1.36 | -1.13 | - | - | Upgrade
|
| Other Non-Interest Income | 1.8 | 1.82 | 1.42 | 2.03 | 1.81 | 1.23 | Upgrade
|
| Total Non-Interest Income | 4.1 | 4 | 1.91 | 2.67 | 4.47 | 4.28 | Upgrade
|
| Non-Interest Income Growth (YoY) | 111.55% | 109.63% | -28.52% | -40.24% | 4.41% | 33.19% | Upgrade
|
| Revenues Before Loan Losses | 29.34 | 27.74 | 25.29 | 25.58 | 25.46 | 24.4 | Upgrade
|
| Provision for Loan Losses | 0.6 | 0.6 | 0.48 | 0.36 | 0.76 | 1.17 | Upgrade
|
| Revenue | 28.74 | 27.14 | 24.81 | 25.22 | 24.71 | 23.24 | Upgrade
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| Revenue Growth (YoY) | 14.43% | 9.38% | -1.59% | 2.06% | 6.32% | 11.41% | Upgrade
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| Salaries and Employee Benefits | 13.74 | 12.79 | 11.94 | 10.71 | 11.36 | 10.99 | Upgrade
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| Occupancy Expenses | 2.38 | 2.01 | 1.9 | 1.8 | 1.71 | 1.77 | Upgrade
|
| Federal Deposit Insurance | 0.75 | 0.79 | 0.73 | 0.52 | 0.52 | 0.41 | Upgrade
|
| Selling, General & Administrative | 2.86 | 2.54 | 2.32 | 2.34 | 1.92 | 1.88 | Upgrade
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| Other Non-Interest Expense | 2.99 | 2.69 | 2.67 | 2.65 | 2.53 | 2.19 | Upgrade
|
| Total Non-Interest Expense | 22.72 | 20.82 | 19.57 | 18.01 | 18.04 | 17.25 | Upgrade
|
| EBT Excluding Unusual Items | 6.02 | 6.32 | 5.25 | 7.2 | 6.67 | 5.98 | Upgrade
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| Pretax Income | 6.02 | 6.32 | 5.25 | 7.2 | 6.67 | 5.98 | Upgrade
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| Income Tax Expense | 1.11 | 1.19 | 0.84 | 1.11 | 1.51 | 1 | Upgrade
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| Net Income | 4.91 | 5.13 | 4.41 | 6.09 | 5.15 | 4.99 | Upgrade
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| Net Income to Common | 4.91 | 5.13 | 4.41 | 6.09 | 5.15 | 4.99 | Upgrade
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| Net Income Growth | 15.01% | 16.46% | -27.70% | 18.22% | 3.31% | 27.76% | Upgrade
|
| Basic Shares Outstanding | 1 | 1 | 1 | 1 | 1 | 1 | Upgrade
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| Diluted Shares Outstanding | 1 | 1 | 1 | 1 | 1 | 1 | Upgrade
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| EPS (Basic) | 6.61 | 6.91 | 5.93 | 8.20 | 6.94 | 6.72 | Upgrade
|
| EPS (Diluted) | 6.61 | 6.91 | 5.93 | 8.20 | 6.94 | 6.72 | Upgrade
|
| EPS Growth | 15.06% | 16.46% | -27.70% | 18.22% | 3.31% | 27.76% | Upgrade
|
| Dividend Per Share | 1.320 | 1.320 | 1.320 | 1.320 | 1.320 | 1.320 | Upgrade
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| Effective Tax Rate | 18.46% | 18.86% | 16.01% | 15.39% | 22.71% | 16.63% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.