Ballston Spa Bancorp, Inc. is a bank holding company, which engages in the provision of personal and commercial banking services. The company is headquartered in Ballston Spa, New York and currently employs 135 full-time employees. The firm operates, through its banking subsidiary, Ballston Spa National Bank (the Bank). The Bank is a community-based commercial bank and provides a range of banking, financing, fiduciary, brokerage and other financial services to corporate, municipal, and individual customers. The Bank operates approximately 13 branches. Its Portfolio includes Residential real estate loans, Home Equity Lines of Credit, Commercial real estate loans, Commercial and industrial loans, and Consumer loans.