{"filings":[{"id":1027037,"accession_number":"0001104659-26-073409","cik":2094107,"company_name":"Ballston Spa Bancorp, Inc.","ticker":"BSPA","form_type":"8-K/A","filed_at":"2026-06-12T20:01:02+00:00","items":["9.01"],"status":"ready","headline":"Ballston Spa Bancorp files NBC Bancorp 2025 audited financials after merger close","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["NBC Bancorp total assets $511.5M at Dec 31, 2025; deposits $451.1M; net loans $362.7M.","Net income 2025 $1.08M (down 11% from $1.22M in 2024); net interest income $12.75M.","Merger-related expenses $444,727; provision for credit losses reversed $350,000.","Stockholders' equity $36.2M (up from $31.7M); accumulated OCI improved by $3.45M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":84405595.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":97671,"accession_number":"0000943374-26-000157","cik":2094107,"company_name":"Ballston Spa Bancorp, Inc.","ticker":"BSPA","form_type":"8-K","filed_at":"2026-04-01T23:59:59+00:00","items":["2.01","2.03","5.02","7.01","9.01"],"status":"ready","headline":"Ballston Spa Bancorp completes merger with NBC Bancorp; combined assets ~$1.3B","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["NBC stockholders received 0.8065 BSPA shares per NBC share; legacy BSPA owners own ~66%, former NBC owners ~34%.","Combined bank has ~$1.3B in total assets and 21 branches across Albany, Greene, Saratoga, and Schoharie Counties.","John Balli (ex-NBC CEO) becomes Senior Executive Leader of combined bank; Caitlin McCrea becomes SVP of Finance and Reporting.","BSPA assumed $5.0M and $4.55M in NBC subordinated notes maturing 2030 and 2033.","Four former NBC directors added to BSPA board: Aaron P. Flach, Carl A. Florio, Donald G. Persico, and Joseph H. Warren."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":84405595.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":112751,"accession_number":"0001104659-26-034602","cik":2094107,"company_name":"Ballston Spa Bancorp, Inc.","ticker":"BSPA","form_type":"8-K","filed_at":"2026-03-25T23:59:59+00:00","items":["1.01","2.03","7.01","9.01"],"status":"ready","headline":"Ballston Spa Bancorp completes $26M subordinated notes offering at 7.375% for proposed merger","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$26M aggregate principal, 7.375% fixed through 2031, then SOFR+378bps floating.","Matures April 1, 2036; callable on/after April 1, 2031 subject to regulatory approval.","Proceeds primarily to support proposed merger with NBC Bancorp (parent of National Bank of Coxsackie).","Notes are unsecured, subordinated obligations qualifying as Tier 2 capital; not convertible."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":84405595.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":112750,"accession_number":"0000943374-26-000141","cik":2094107,"company_name":"Ballston Spa Bancorp, Inc.","ticker":"BSPA","form_type":"8-K","filed_at":"2026-03-23T23:59:59+00:00","items":["5.07","8.01","9.01"],"status":"ready","headline":"Ballston Spa Bancorp and NBC Bancorp receive shareholder approvals; merger to close April 1, 2026","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Shareholders of both BSNB and NBC approved the merger at special meetings on March 23, 2026.","Anticipated closing date: April 1, 2026, subject to customary conditions.","Conversion ratio: each NBC share converts to 0.8065 BSNB shares; BSNB holders ~66%, NBC ~34%.","All requisite regulatory approvals for the merger were previously received.","NBC will merge into BSNB, with BSNB and Ballston Spa National Bank surviving."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":84405595.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":112749,"accession_number":"0001104659-26-013944","cik":2094107,"company_name":"Ballston Spa Bancorp, Inc.","ticker":"BSPA","form_type":"8-K","filed_at":"2026-02-12T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Ballston Spa Bancorp and NBC Bancorp receive regulatory approvals for merger; shareholder vote set for March 23, 2026","summary_kind":"llm","event_type":"m_and_a","confidence":"medium","bullets":["Ballston Spa Bancorp (BSPA) and NBC Bancorp (NCXS) received all requisite regulatory approvals for their pending merger.","Transaction expected to close in Q2 2026, subject to customary closing conditions and shareholder approvals.","Special shareholder meetings for both companies scheduled for March 23, 2026 to vote on the proposed transaction.","No financial terms (exchange ratio, deal value) were disclosed in the announcement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":84405595.0,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}