X0708 D LIVE 0002094107 Ballston Spa Bancorp, Inc. 990 STATE RT. 67 BALLSTON SPA NY NEW YORK 12020 518-363-8651 NEW YORK None None Corporation true Chris Dowd 990 State Rt. 67 Ballston Spa NY NEW YORK 12020 Executive Officer Director John Balli 990 State Rt. 67 Ballston Spa NY NEW YORK 12020 Executive Officer James Conroy 990 State Rt. 67 Ballston Spa NY NEW YORK 12020 Executive Officer James Dodd 990 State Rt. 67 Ballston Spa NY NEW YORK 12020 Executive Officer Rich Sleasman 990 State Rt. 67 Ballston Spa NY NEW YORK 12020 Director Dawn Abbuhl 990 State Rt. 67 Ballston Spa NY NEW YORK 12020 Director Steve Obermayer 990 State Rt. 67 Ballston Spa NY NEW YORK 12020 Director Mike Dunn 990 State Rt. 67 Ballston Spa NY NEW YORK 12020 Director Paul DiCaprio 990 State Rt. 67 Ballston Spa NY NEW YORK 12020 Director Paul Milton 990 State Rt. 67 Ballston Spa NY NEW YORK 12020 Director Beth Grasso 990 State Rt. 67 Ballston Spa NY NEW YORK 12020 Director Theresa Skaine 990 State Rt. 67 Ballston Spa NY NEW YORK 12020 Director Carl Florio 990 State Rt. 67 Ballston Spa NY NEW YORK 12020 Director Aaron Flach 990 State Rt. 67 Ballston Spa NY NEW YORK 12020 Director Donald Persico 990 State Rt. 67 Ballston Spa NY NEW YORK 12020 Director Joseph Warren 990 State Rt. 67 Ballston Spa NY NEW YORK 12020 Director Commercial Banking Decline to Disclose 06b false 2026-03-25 false true true This offering was made in connection with the previously disclosed business combination with NBC Bancorp, Inc. pursuant to the Agreement and Plan of Merger, dated as of September 23, 2025. 100000 Griffin Financial Group 000119004 None None 669 River Drive Suite 201 Elmwood Park NY NEW YORK 07407 CT CONNECTICUT ME MAINE MA MASSACHUSETTS NH NEW HAMPSHIRE NY NEW YORK PA PENNSYLVANIA RI RHODE ISLAND VT VERMONT false Brean Capital, LLC 000023723 None None Two Alliance Center 3560 Lenox Road NE Suite 1260 Atlanta GA GEORGIA 30326 FL FLORIDA GA GEORGIA NJ NEW JERSEY NY NEW YORK VA VIRGINIA WY WYOMING false 26000000 26000000 0 false 25 520000 0 0 false Ballston Spa Bancorp, Inc. /s/ James Dodd James Dodd EVP / CFO 2026-04-07