Ballston Spa Bancorp, Inc. (BSPA)
OTCMKTS
· Delayed Price · Currency is USD
73.99
0.00 (0.00%)
Apr 28, 2026, 9:30 AM EST
Ballston Spa Bancorp Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|
Period Ending | 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 | 2020 - 2016 |
| Interest Income on Loans | 38.65 | 35.48 | 29.65 | 22.48 | 21.18 | Upgrade
|
| Interest Income on Investments | 4.29 | 4.42 | 4.59 | 3.13 | 1.73 | Upgrade
|
| Total Interest Income | 42.93 | 39.9 | 34.24 | 25.61 | 22.91 | Upgrade
|
| Interest Paid on Deposits | 13.36 | 12.59 | 8.19 | 1.69 | 0.86 | Upgrade
|
| Interest Paid on Borrowings | 3.56 | 3.57 | 2.66 | 1.02 | 1.06 | Upgrade
|
| Total Interest Expense | 16.92 | 16.16 | 10.85 | 2.71 | 1.92 | Upgrade
|
| Net Interest Income | 26.01 | 23.74 | 23.38 | 22.9 | 20.99 | Upgrade
|
| Net Interest Income Growth (YoY) | 9.57% | 1.51% | 2.10% | 9.11% | 4.32% | Upgrade
|
| Trust Income | 1.55 | 1.48 | 1.24 | 1.1 | 1.19 | Upgrade
|
| Gain (Loss) on Sale of Assets | - | - | - | - | 0.49 | Upgrade
|
| Gain (Loss) on Sale of Investments | - | - | -1.36 | -1.13 | - | Upgrade
|
| Other Non-Interest Income | 1.79 | 1.82 | 1.42 | 2.03 | 1.81 | Upgrade
|
| Total Non-Interest Income | 4.3 | 4 | 1.91 | 2.67 | 4.47 | Upgrade
|
| Non-Interest Income Growth (YoY) | 7.49% | 109.63% | -28.52% | -40.24% | 4.41% | Upgrade
|
| Revenues Before Loan Losses | 30.31 | 27.74 | 25.29 | 25.58 | 25.46 | Upgrade
|
| Provision for Loan Losses | 0.63 | 0.6 | 0.48 | 0.36 | 0.76 | Upgrade
|
| Revenue | 29.68 | 27.14 | 24.81 | 25.22 | 24.71 | Upgrade
|
| Revenue Growth (YoY) | 9.37% | 9.38% | -1.59% | 2.06% | 6.32% | Upgrade
|
| Salaries and Employee Benefits | 14.06 | 12.79 | 11.94 | 10.71 | 11.36 | Upgrade
|
| Occupancy Expenses | 2.52 | 2.01 | 1.9 | 1.8 | 1.71 | Upgrade
|
| Federal Deposit Insurance | 0.79 | 0.79 | 0.73 | 0.52 | 0.52 | Upgrade
|
| Selling, General & Administrative | 2.33 | 2.54 | 2.32 | 2.34 | 1.92 | Upgrade
|
| Other Non-Interest Expense | 2.86 | 2.69 | 2.67 | 2.65 | 2.53 | Upgrade
|
| Total Non-Interest Expense | 22.55 | 20.82 | 19.57 | 18.01 | 18.04 | Upgrade
|
| EBT Excluding Unusual Items | 7.13 | 6.32 | 5.25 | 7.2 | 6.67 | Upgrade
|
| Pretax Income | 5.6 | 6.32 | 5.25 | 7.2 | 6.67 | Upgrade
|
| Income Tax Expense | 1.07 | 1.19 | 0.84 | 1.11 | 1.51 | Upgrade
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| Net Income | 4.54 | 5.13 | 4.41 | 6.09 | 5.15 | Upgrade
|
| Net Income to Common | 4.54 | 5.13 | 4.41 | 6.09 | 5.15 | Upgrade
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| Net Income Growth | -11.52% | 16.46% | -27.70% | 18.22% | 3.31% | Upgrade
|
| Basic Shares Outstanding | 1 | 1 | 1 | 1 | 1 | Upgrade
|
| Diluted Shares Outstanding | 1 | 1 | 1 | 1 | 1 | Upgrade
|
| EPS (Basic) | 6.11 | 6.91 | 5.93 | 8.20 | 6.94 | Upgrade
|
| EPS (Diluted) | 6.11 | 6.91 | 5.93 | 8.20 | 6.94 | Upgrade
|
| EPS Growth | -11.52% | 16.46% | -27.70% | 18.22% | 3.31% | Upgrade
|
| Dividend Per Share | - | 1.320 | 1.320 | 1.320 | 1.320 | Upgrade
|
| Effective Tax Rate | 19.00% | 18.86% | 16.01% | 15.39% | 22.71% | Upgrade
|
Source: S&P Capital IQ. Banks template. Financial Sources.