---
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"
generated_at: "2026-06-12T20:02:02.110416+00:00"
event_type: "m_and_a"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: m_and_a
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-073409
- JSON: https://secwatch.observer/filing/0001104659-26-073409.json
- Plain text: https://secwatch.observer/filing/0001104659-26-073409.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.