Call reports 2026
BALLSTON SPA NATIONAL BANK — 2026
What BALLSTON SPA NATIONAL BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 941,552,000 | 1,369,479,000 |
| Total loans | 801,187,000 | 1,109,750,000 |
| Allowance for loan losses | 8,916,000 | 13,138,000 |
| Securities available for sale | 62,695,000 | 115,029,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 813,757,000 | 1,203,419,000 |
| Interest-bearing deposits | 661,484,000 | 940,825,000 |
| Noninterest-bearing deposits | 152,273,000 | 262,594,000 |
| Equity capital | 98,111,000 | 131,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 10,941,000 | 28,428,000 |
| Interest expense | 4,006,000 | 9,878,000 |
| Net interest income | 6,935,000 | 18,550,000 |
| Noninterest income | 990,000 | 2,613,000 |
| Noninterest expense | 7,088,000 | 20,751,000 |
| Provision for loan losses | 180,000 | 180,000 |
| Pretax income | 657,000 | 308,000 |
| Income tax | 233,000 | -173,000 |
| Net income | 424,000 | 481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 96,782,000 | 125,432,000 |
| Total capital | 105,768,000 | 146,799,000 |
| Risk-weighted assets | 718,825,000 | 1,001,489,000 |