Ballston Spa Bancorp BSPA Income 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 Income Statement

Periods 5 quarters
Latest Jun 2026

Ballston Spa Bancorp reported revenue of $12.42M and net income of -$0.71M for the quarter ended Jun 2026, up 70.7% year over year. This income statement covers 5 quarters of results from Mar 2025 through Jun 2026, standardized by Business Quant from the company’s SEC filings.

Income StatementIncome Statement Mar2025 Jun2025 Dec2025 Mar2026 Jun2026
Revenue & Cost
Interest income
Interest income - Loans 9.26M9.41M9.98M15.37M
Interest Income - Debt Securities 0.03M0.03M0.04M0.33M
Interest income - Investments 0.03M0.03M0.04M0.33M
Other Interest Income 1.06M1.02M0.87M1.28M
Interest Income - Total 10.38M10.49M10.94M17.31M
Interest expenses
Interest Expense - Deposits 3.15M3.27M382.25M3.65M5.61M
Interest Expense - Debt 0.42M0.36M0.35M0.98M
Interest Expense - Others 0.38M0.57M0.16M
Interest ExpensesInterest Expense 3.95M4.20M4.15M6.59M
Net interest income
Interest Income - Net 6.43M6.30M6.79M10.72M
Provision for Credit LossesProvisions 0.15M0.15M0.18M
Net Interest Income After ProvisionsNII After Provisions 6.28M6.15M6.61M10.72M
Non-interest income
Service Charges 0.16M0.16M0.15M0.24M
Card Income 0.18M0.20M0.18M0.45M
Income - Trust 0.34M0.37M0.38M0.40M
Mortgage Banking 0.05M0.04M
Gain (Loss) on Sale of LoansGain on Loan Sales 0.16M0.11M
Bank-Owned Life Insurance IncomeBOLI Income 0.04M0.04M0.04M0.04M
Other Non-Interest Income 0.13M0.21M0.04M0.42M
Non-Interest Income - Total 0.85M0.97M0.99M1.70M
Revenue 7.28M7.27M7.78M12.42M
Operating Items
Wages, Salaries and OtherWages 3.44M3.51M3.93M5.65M
Occupancy ExpenseOccupancy 0.59M0.60M0.84M1.12M
Technology and CommunicationsTechnology 0.28M0.27M0.23M0.49M
Professional Fees 0.26M0.17M0.26M0.30M
Marketing and AdvertisingMarketing 0.11M0.11M0.15M0.16M
FDIC Insurance 0.22M0.22M0.25M0.30M
Restructuring CostsRestructuring 0.75M3.86M
Other Non-Interest ExpenseOther Non-Int. Exp. 0.63M0.72M0.71M1.64M
Operating ExpensesOpex 5.52M5.59M7.12M13.53M
Non-operating items
Gains (Losses) on Sale of Assets & InvestmentsGains on Sales 0.05M0.16M0.11M
Net income details
EBT 1.61M1.53M0.48M-1.12M
Tax ProvisionsTaxes 0.31M0.29M0.23M-0.41M
Income After Tax 1.30M1.24M0.24M-0.71M
Income from Continuing OperationsIncome (Continuing) 1.30M1.24M0.24M-0.71M
Consolidated Net IncomeConsol Net Inc. 1.30M1.24M0.24M-0.71M
Income towards Parent CompanyParent Net Inc 1.30M1.24M0.24M-0.71M
Net Income towards Common StockholdersNet Income 1.30M1.24M0.24M-0.71M
Additional items
EPS (Basic) 1.751.660.33-0.65
Weighted Average Shares OutstandingWtd. Avg. Shares 0.74M0.74M0.74M0.74M1.10M
Shares Outstanding (Entity)Shares Outstanding (Entity.) 0.74M0.74M0.74M1.10M

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