Ballston Spa Bancorp files NBC Bancorp 2025 audited financials after merger close

Ballston Spa Bancorp, Inc.

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.

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