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Companies/Ballston Spa Bancorp, Inc.
Company profile

Ballston Spa Bancorp, Inc.

OTC: BSPA · Financial Services · Banks - Regional
PublicHQ Ballston Spa, NY · SaratogaReports USD
#448 of 1,011 Financial Services companies by revenue32nd-percentile growth
EA Score
44D
FH 38DQ —GM 55SS 56
v0.1 · 45/100 weight · provisional
↑ listing tenure, growth stability · ↓ balance-sheet leverage, revenue growth (YoY)
Methodology →
Revenue TTM
$43.1M
Rev growth YoY (TTM)
-2.5%
Net income (FY)
$4.5M
Employees
111
Market cap
$57.2M
OverviewFinancialsSegmentsFilingsESGPeople & Places

Financials — latest annual

SEC EDGAR · USD-normalized
ConceptUSDNativeFY
Revenue$44.2M$44.2M2025
Net income$4.5M$4.5M2025
Operating income$5.6M$5.6M2025
Total assets$928.5M$928.5M2025
Liabilities$857.4M$857.4M2025
Equity$71.1M$71.1M2025

Revenue trend

FY2018 – FY2025 · USD
$23.6M
FY18
$25.7M
FY19
$27.4M
FY20
$26.4M
FY21
$27.8M
FY22
$35.7M
FY23
$43.5M
FY24
$44.2M
FY25

Revenue by segment

No segmentation disclosed for this filer. n/a

The read

Ballston Spa Bancorp, Inc. booked $44.2M in FY2025 revenue, growing 1.6% year over year — slower than 68% of Financial Services companies we track, at a 10.3% net margin.

Peers · Financial Services
CITBA Financial Corporation51DNortheast Indiana Bancorp, Inc.58CGolden Valley Bancshares, Inc.51DHarford Bank——
Neighbors
Saratoga →
Espey Mfg. & Electronics Corp.$3.7M56C
Key facts
CEOChristopher R. Dowd
SectorFinancial Services
IndustryBanks - Regional
HeadquartersBallston Spa, NY
ExchangeOTC: BSPA
Employees111
IPO date1999-02-22
Latest filings

No filings loaded — no CIK (non-SEC filer).

Financials: SEC EDGAR (XBRL), USD-normalized per IAS 21 · TTM/quarterly + segments: FMP from filed disclosures · Filings: EDGAR submissions. County headcount and EA Score are in progress — see docs/DATA_GAPS.md.
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