Bank call report · Ballston Spa, NY
Ballston Spa National Bank Call Report
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Ballston Spa National Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 405 reported line items, schedule by schedule (687 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 505 |
| FDIC certificate number | 6959 |
| Total assets | $1.37B |
Official Q2 2026 call report PDF (FFIEC) →
Ballston Spa National Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · Ballston Spa National Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.37B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.37B |
| Total Liabilities and Minority Interest | RCON2948 | $1.24B |
| Total Deposits | RCON2200 | $1.20B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $1.11B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $1.10B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $940.8M |
| Deposits: Noninterest-bearing | RCON6631 | $262.6M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $131.4M |
| Total Equity Capital | RCON3210 | $131.4M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $115.0M |
| Surplus | RCON3839 | $72.7M |
| Interest-bearing Balances | RCON0071 | $71.1M |
| Undivided Profits and Capital Reserves | RCON3632 | $52.1M |
| Other Assets | RCON2160 | $36.9M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $22.1M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $18.8M |
| Other Liabilities, Total | RCON2930 | $17.3M |
| Other Borrowed Money | RCON3190 | $17.3M |
| Allowance for Loan and Lease Losses | RCON3123 | $13.1M |
| Intangible Assets | RCON2143 | $9.0M |
| Common Stock | RCON3230 | $6.5M |
| Goodwill | RCON3163 | $2.0M |
| Accumulated Other Comprehensive Income | RCONB530 | $76K |
| Minority Interest in Consolidated Subsidiaries and Similar Items | RCON3000 | $52K |
Schedule RI: Income Statement (44 items)
About Schedule RI · Ballston Spa National Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $28.4M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $25.4M |
| Total Noninterest Expense | RIAD4093 | $20.8M |
| Net Interest Income | RIAD4074 | $18.6M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $13.0M |
| Total Interest Expense | RIAD4073 | $9.9M |
| Salaries and Employee Benefits | RIAD4135 | $9.6M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $9.2M |
| Other Noninterest Expense | RIAD4092 | $9.2M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $5.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $2.8M |
| Total Noninterest Income | RIAD4079 | $2.6M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $2.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $1.9M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.1M |
| Other Noninterest Income | RIADB497 | $1.1M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $1.1M |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $619K |
| Interest on Other Securities | RIAD4060 | $552K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $504K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $500K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $481K |
| Net Income (Loss) | RIAD4340 | $481K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $481K |
| Other Interest Income | RIAD4518 | $389K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $364K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $308K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $308K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $266K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $221K |
| Provision for Loan and Lease Losses | RIAD4230 | $180K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $180K |
| Applicable Income Taxes | RIAD4302 | -$173K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $149K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $111K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $79K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $77K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | $76K |
| Net Servicing Fees | RIADB492 | $69K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $42K |
| Noninterest income: Income from insurance activities | RIADHT74 | $24K |
| Other Interest Expense | RIADGW44 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 209 |
Schedule RC-B: Securities (36 items)
About Schedule RC-B · Ballston Spa National Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Other Pass-through Securities: Available-for-sale Amortized Cost | RCONG310 | $50.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Other Pass-through Securities: Available-for-sale Fair Value | RCONG311 | $49.8M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $2.3M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $2.3M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Amortized Cost | RCONG322 | $99K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Fair Value | RCONG323 | $47K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $115.9M |
| Pledged Securities | RCON0416 | $115.0M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $33.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $31.1M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $27.8M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $27.5M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $25.8M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $25.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $20.2M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $17.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $14.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $10.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $9.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $8.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $4.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $4.9M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $4.0M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $4.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $1.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $1.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $1.3M |
| Amortized Cost of Structured Notes | RCON8782 | $995K |
| Fair Value of Structured Notes | RCON8783 | $995K |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $436K |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $435K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $322K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $320K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $30K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $28K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $2K |
Schedule RC-C, Part I: Loans and Leases (38 items)
About Schedule RC-C, Part I · Ballston Spa National Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $1.11B |
| Pledged Loans and Leases | RCONG378 | $555.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $476.7M |
| Gross Contractual Amounts Receivable at Acquisition Date of Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year | RCONGW46 | $312.9M |
| Fair Value at Acquisition Date of Acquired Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year | RCONGW45 | $291.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $239.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $211.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $163.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $159.8M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $154.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $149.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $130.7M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $117.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $105.1M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $90.8M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $60.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $55.0M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $45.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $42.1M |
| Commercial and Industrial Loans | RCON1766 | $39.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $29.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $29.6M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $22.3M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $20.2M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $13.6M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $8.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $7.0M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $6.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $4.1M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $4.0M |
| Best Estimate at Acquisition Date of Contractual Cash Flows Not Expected to Be Collected for Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year | RCONGW47 | $2.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $614K |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $532K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $382K |
| Unearned Income on Loans | RCON2123 | $272K |
| Real Estate Loans Secured by Farmland | RCON1420 | $266K |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $244K |
| Other Loans | RCONJ464 | $22K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $48.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $16.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $10.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $8.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $5.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $643K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $266K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 372 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 135 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 97 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 85 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 71 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 11 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 1 |
Schedule RC-E: Deposit Liabilities (30 items)
About Schedule RC-E · Ballston Spa National Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $808.9M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $718.7M |
| Total Transaction Accounts | RCON2215 | $394.5M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $365.2M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $327.2M |
| Total Demand Deposits (See Note Below) | RCON2210 | $262.6M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $173.4M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $130.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $110.9M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $90.2M |
| Total reciprocal deposits | RCONJH83 | $89.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $88.7M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $87.2M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $85.2M |
| Total Brokered Deposits | RCON2365 | $85.2M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $84.9M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $84.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $73.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $72.2M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $67.3M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $64.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $62.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $23.2M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $20.0M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $18.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $14.0M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $11.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $7.7M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $590K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $284K |
Schedule RC-F: Other Assets (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $12.8M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $7.1M |
| Net Deferred Tax Assets | RCON2148 | $6.8M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $6.8M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $5.7M |
| Second Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3550 | $4.6M |
| Accrued Interest Receivable | RCONB556 | $4.5M |
| Prepaid Expenses | RCON2166 | $1.3M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $11.8M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $4.3M |
| Other Expenses Accrued and Unpaid | RCON3646 | $4.2M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.2M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $111K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Ballston Spa National Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.44B |
| Quarterly Average of Total Loans | RCON3360 | $1.14B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $463.3M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $450.8M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $425.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $222.2M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $114.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $68.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $64.1M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $50.1M |
| Mortgage-backed Securities | RCONB559 | $46.6M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $38.9M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $32.6M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $27.9M |
| All Other Securities | RCONB560 | $27.8M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $609K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (10 items)
About Schedule RC-L · Ballston Spa National Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Off-balance Sheet Liabilities | RCON3430 | $86.4M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $49.0M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $35.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $35.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $28.8M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $23.8M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $17.3M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $11.0M |
| Performance Standby Letters of Credit | RCON3821 | $501K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $5K |
Schedule RC-M: Memoranda (8 items)
About Schedule RC-M · Ballston Spa National Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $12.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $12.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $10.4M |
| All other intangible assets | RCONJF76 | $6.8M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $5.3M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $146K |
| Mortgage Servicing Assets | RCON3164 | $146K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (17 items)
About Schedule RC-N · Ballston Spa National Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $6.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $3.2M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $2.5M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $2.1M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.5M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $525K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $427K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $412K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $183K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $159K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $111K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $92K |
| Additions to Nonaccrual Assets | RCONC410 | $69K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $67K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $28K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 90 Days or More and Still Accruing | RCONK214 | $15K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $3K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Ballston Spa National Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.44B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $1.20B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $713.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $479.3M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $479.3M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $127.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $10.9M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $769K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 36,772 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 611 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 566 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 2 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Ballston Spa National Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (27 items)
About Schedule RC-R, Part I · Ballston Spa National Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $1.44B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.43B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $1.00B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $146.8M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $131.4M |
| Common Equity Tier 1 Capital | RCOAP859 | $125.4M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $125.4M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $125.4M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $79.2M |
| Retained Earnings | RCOAKW00 | $52.1M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $21.4M |
| Tier 2 Capital Before Deductions | RCOAP870 | $21.4M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $12.5M |
| Tier 2 Capital Instruments Plus Related Surplus | RCOAP866 | $8.8M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $5.9M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $4.9M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $1.0M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | $795K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$720K |
| Accumulated Other Comprehensive Income | RCOAB530 | $76K |
| Accumulated Net Gains (Losses)on Cash-flow Hedges (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP846 | -$19K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1466 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1252 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1252 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0874 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0652 |
Schedule RC-R, Part II: Risk-Weighted Assets (75 items)
About Schedule RC-R, Part II · Ballston Spa National Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $1.00B |
| Total Risk-weighted Assets | RCONG641 | $1.00B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $662.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $662.4M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $648.0M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $600.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $596.5M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $497.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $481.6M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $479.1M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $478.7M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $240.8M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $114.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $112.9M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $112.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $107.7M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $107.7M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $93.2M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $86.3M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $76.7M |
| Total All Other Assets | RCOND981 | $64.7M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $52.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $34.9M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $34.9M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $29.6M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $27.1M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $25.9M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $25.0M |
| Allocation by Risk Weight Category 150%, All Other Assets | RCONH185 | $23.9M |
| Off-balance Sheet Securitization Exposures - Gross-up Risk Weight Exposure, by Calculation Method | RCONS499 | $23.7M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $22.6M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $18.4M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $18.4M |
| Unconditionally Cancellable Commitments | RCONS540 | $17.2M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $16.5M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$13.1M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $12.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $12.9M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $10.7M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $10.7M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $10.0M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $5.9M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $4.1M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $3.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $3.7M |
| Off-balance Sheet Securitization Exposures - Adjustments to Total Reported in Column a | RCONS496 | $3.3M |
| Total Off-balance Sheet Securitization Exposures | RCONS495 | $3.3M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $2.5M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $2.4M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $1.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $1.2M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$1.1M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $1.0M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $958K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $501K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $361K |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $315K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $275K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $251K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $251K |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $126K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $126K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $126K |
| Over-the-counter Derivatives - 20 Pct Risk Weight Category | RCONS545 | $125K |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $125K |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $99K |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Adjustments to Total Reported in Column a | RCONS481 | $99K |
| Total On-balance Sheet Securitization Exposures, Available-for-sale Securities | RCONS480 | $99K |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Gross-up Risk Weight Exposure, by Calculation Methodology | RCONS484 | $49K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $5K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $5K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $5K |
| On-balance Sheet Securitization Exposures, All Other On-balance Sheet Securitization Exposures - Adjustments to Total Reported in Column a | RCONS491 | $1K |
| On-balance Sheet Securitization Exposures, All Other On-balance Sheet Securitization Exposures - Gross-up Risk Weight Exposure, by Calculation Method | RCONS494 | $1K |
| Total On-balance Sheet Securitization Exposures, All Other On-balance Sheet Securitization Exposures | RCONS490 | $1K |
Schedule RC-T: Fiduciary and Related Services (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Income from Fiduciary Activities | RIAD4070 | $682K |
Schedule RI-A: Changes in Bank Equity Capital (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $131.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $78.4M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $78.4M |
| Changes Incident to Business Combinations, Net | RIAD4356 | $34.3M |
| Other Transactions with Stockholders (Including Parent Holding Company) | RIAD4415 | $20.0M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $1.2M |
| Other Comprehensive Income | RIADB511 | -$539K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (8 items)
About Schedule RI-B, Part I · Ballston Spa National Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $143K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $62K |
| Charge-offs on Automobile Loans | RIADK129 | $59K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $31K |
| Recoveries on Automobile Loans | RIADK133 | $23K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $17K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $8K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $5K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Ballston Spa National Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $13.1M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $8.7M |
| Adjustments | RIADC233 | $4.3M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $143K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (11 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $810.4M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $383.3M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $313.3M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $59.9M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $37.2M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $16.5M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $13.1M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $8.4M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $3.9M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $519K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $312K |
Schedule RI-E: Explanations (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| First Itemized Transaction of Other Transactions with Stockholders (Including Parent Holding Company) (4415) | RIAD4498 | $20.0M |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $4.6M |
| Initial allowances for credit losses recognized upon the acquisition of purchased credit deterioriated assets on or after the effective date of ASU 2016-13 | RIADJJ27 | $4.3M |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $707K |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $72.4M |
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $46.0M |
Ballston Spa National Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Ballston Spa National Bank call report?
The Ballston Spa National Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Ballston Spa National Bank file?
Ballston Spa National Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Ballston Spa National Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Ballston Spa National Bank has Federal Reserve RSSD ID 505 and FDIC certificate number 6959. Either one finds its filings on the FFIEC Central Data Repository.
How often does Ballston Spa National Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Ballston Spa National Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 6959) · FFIEC NIC profile (RSSD 505)