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Ballston Spa Bancorp, Inc. (BSPA) — Quarterly Report

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Latest Quarterly Report Filed: 2026-05-14

Key Insights

  • Q1 2026 filing shows the company maintaining operations across multiple loan portfolio segments including residential, commercial real estate, commercial, and home equity lines of credit, indicating a diversified lending portfolio.
  • The filing references junior subordinated debentures from both 2018 and 2026, suggesting the company has maintained or expanded its capital structure through debt instruments during this period.
  • Loan performance data tracked across multiple delinquency categories (30-59 days, 60-89 days, 90+ days past due) and credit quality ratings (Pass, Special Mention, Substandard) indicates active credit risk monitoring and portfolio management.
  • The presence of accumulated other comprehensive income statements across multiple periods reflects ongoing fair value adjustments, likely related to securities portfolio movements typical for community banks in a changing rate environment.
Sentiment: Neutral Significance: 4/10
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Other reports for Ballston Spa Bancorp, Inc.

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Important Information

AI-generated analysis is for informational purposes only. Always read original SEC filings and consult with qualified professionals before making investment decisions.