{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-073409","form_type":"8-K/A","ticker":"BSPA","cik":"0002094107","company_name":"Ballston Spa Bancorp, Inc.","filed_at":"2026-06-12T20:01:02+00:00","discovered_at":"2026-06-12T20:01:32.053304+00:00","generated_at":"2026-06-12T20:02:02.110416+00:00","sec_items":["9.01"],"event_type":"m_and_a","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Ballston Spa Bancorp files NBC Bancorp 2025 audited financials after merger close","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-073409","json":"https://secwatch.observer/filing/0001104659-26-073409.json","markdown":"https://secwatch.observer/filing/0001104659-26-073409.md","text":"https://secwatch.observer/filing/0001104659-26-073409.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/2094107/000110465926073409/0001104659-26-073409-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/2094107/000110465926073409/tm2617581d1_8ka.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-12T20:02:02.110416+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}