Ballston Spa Bancorp BSPA Cash Flow Statement (2025-2026)

OTC BSPA
$81.11 +0.13 (+0.16%)
At close: Nov 9, 2026 · 4:00 PM EST
Reported Financials

Ballston Spa Bancorp Quarterly Cash Flow Statement

Periods 5 quarters
Latest Jun 2026

Ballston Spa Bancorp reported cash from operations of $1.15M and free cash flow of $0.50M for the quarter ended Jun 2026, up 113.0% year over year. This cash flow statement covers 5 quarters of results from Mar 2025 through Jun 2026, standardized by Business Quant from the company’s SEC filings.

Cash Flow StatementCash Flow Mar2025 Jun2025 Dec2025 Mar2026 Jun2026
Operating Activities
Net Income 1.30M1.24M2.54M0.24M-0.71M
Depreciation, Depletion & Amortization
Depreciation and Depletion 0.15M0.18M0.32M0.19M0.22M
Amortization of Intangibles 0.32M
Depreciation & Amortization (CF)Depreciation & Amortization 0.15M0.18M0.32M0.19M0.22M
Provision for Losses 0.15M0.15M0.30M0.18M
Deferred Taxes 0.06M0.05M0.11M0.08M0.01M
Amortization of Securities Premiums, NetSecurities Amortization 0.16M0.14M-0.29M0.11M0.11M
Gains on Sale of Loans -0.05M0.16M0.11M
Bank-Owned Life Insurance Income (CF)BOLI Income (CF) 0.04M0.04M-0.08M0.04M0.04M
Originations of Loans Held for SaleLHFS Originations -2.03M11.15M3.75M
Proceeds from Sale of Loans Held for SaleLHFS Sale Proceeds 2.08M11.30M3.86M
Change in Working Capital
Change in Interest Receivables 0.17M0.11M-0.28M-0.02M-0.11M
Change in Other Operating AssetsOther Assets Change -1.91M0.82M1.09M0.69M-1.34M
Change in Other Operating LiabilitiesOther Liabilities Change -2.67M0.06M-2.61M-0.45M0.02M
Other Operating ActivitiesOther Operating -0.31M-0.27M-2.69M-0.22M-0.22M
Cash from Operations 0.54M0.57M1.10M-0.59M1.15M
Investing Activities
Capital Expenditures 0.51M0.35M-0.86M0.84M0.65M
Investment Securities
Purchase of AFS Securities -7.85M
Purchase of Investments - Total -7.85M
Sale of AFS Securities 50.20M
Maturities of AFS Securities 4.68M4.72M9.40M3.18M35.04M
Redemption of FHLB and FRB Stock 1.90M2.19M
Sale and Maturity of Investments - Total 6.59M4.72M9.40M5.37M85.24M
Change in Net Loans 8.16M9.42M-17.59M-2.02M17.48M
Other Investing ActivitiesOther Investing -9.72M-52.56M60.37M
Cash from Investing Activities -2.09M-14.77M-16.86M6.55M127.48M
Financing Activities
Net Change in DepositsDeposits Chg. 43.25M-26.90M16.34M42.51M-64.69M
Debt Issuance and Repayment
Long-Term Debt Issuances 25.44M-0.99M
Long-Term Debt Repayments -10.00M
Net Long-Term Debt Issued (Repaid)Net LT Debt -41.70M49.50M7.80M-54.00M-54.00M
Net Debt Issuances and Repayments -41.70M49.50M7.80M-54.00M-54.00M
Dividend Payments
Dividends Paid - Common and PreferredDividends Paid 0.25M0.25M-0.49M0.25M0.37M
Other Financing ActivitiesOther Financing -10.00M-20.98M36.75M
Cash from Financing Activities 1.30M12.35M13.65M13.71M-83.30M
Misc.
Change in Cash -0.25M-1.86M-2.11M19.67M45.32M
Ending Cash Balance 25.49M23.64M28.15M47.82M93.14M
Net Cash Flow -0.25M-1.86M-2.11M19.67M45.32M
Free Cash Flow 0.03M0.21M1.97M-1.42M0.50M
Supplemental
Interest Paid 6.01M2.14M8.15M6.57M4.17M
Income Taxes PaidTaxes Paid 0.27M0.33M0.59M0.60M-0.37M

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