BSPA (Ballston SpA Bancorp) Gross Loan: $1,108.77 Mil (As of Jun. 2026)

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BSPA Ballston SpA Bancorp Inc BSPA
61 GF Score
Price $82.92
GF Value $71.15
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Ballston SpA Bancorp Gross Loan?

Ballston SpA Bancorp BSPA +3.66% 61 Gross Loan is $1,108.77 Mil as of Jun. 2026. GuruFocus rates BSPA with a GF Score™ of 61/100 and a GF Value™ of $71.15 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Ballston SpA Bancorp's Gross Loan for the quarter that ended in Jun. 2026 was $1,108.77 Mil.

Ballston SpA Bancorp's quarterly Gross Loan declined from Dec. 2025 ($802.45 Mil) to Mar. 2026 ($799.64 Mil) but then increased from Mar. 2026 ($799.64 Mil) to Jun. 2026 ($1,108.77 Mil).

Ballston SpA Bancorp's annual Gross Loan increased from Dec. 2023 ($707.79 Mil) to Dec. 2024 ($763.24 Mil) and increased from Dec. 2024 ($763.24 Mil) to Dec. 2025 ($802.45 Mil).

Ballston SpA Bancorp Gross Loan Related Terms

Ballston SpA Bancorp Gross Loan Historical Data

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The historical data trend for Ballston SpA Bancorp's Gross Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Ballston SpA Bancorp Gross Loan Chart

Ballston SpA Bancorp Annual Data
Trend Dec03 Dec04 Dec05 Dec06 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Gross Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 532.67 627.10 707.79 763.24 802.45

Ballston SpA Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Gross Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 781.21 793.35 802.45 799.64 1,108.77
BSPA
61GF Score
Ballston SpA Bancorp Inc BSPA
Gross Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Ballston SpA Bancorp Gross Loan Calculation

Gross Loan represents the sum of all loans (commercial, consumer, mortgage, etc.) as well as leases before any provisions for loan losses or unearned discounts.

Frequently Asked Questions Learn more about Gross Loan →
What does a Gross Loan of $1,108.77 Mil mean?
Ballston SpA Bancorp (BSPA) has a Gross Loan of $1,108.77 Mil as of Jun. 2026. Gross Loan is the sum of all loans as well as leases before any provisions for loan losses or unearned discounts. View historical data on Ballston SpA Bancorp and its competitors.
Is Ballston SpA Bancorp's Gross Loan too high?
Ballston SpA Bancorp's current Gross Loan is $1,108.77 Mil. Overall, Ballston SpA Bancorp has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ballston SpA Bancorp's Gross Loan compare to GVYB and CIZN?
Ballston SpA Bancorp's Gross Loan of $1,108.77 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Gross Loan for a Banks company?
A good Gross Loan depends on the Banks industry context. However, Gross Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Gross Loan mean?
A high Gross Loan can signal that a stock is expensive relative to its fundamentals. Gross Loan is the sum of all loans as well as leases before any provisions for loan losses or unearned discounts. View historical data on Ballston SpA Bancorp and its competitors. Ballston SpA Bancorp's current Gross Loan is $1,108.77 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ballston SpA Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Ballston SpA Bancorp (BSPA) is currently considered Modestly Overvalued. The stock's GF Value™ is $71.15, compared to a current price of $82.92 — trading 16.5% above its estimated fair value. The current Gross Loan is $1,108.77 Mil. Ballston SpA Bancorp's overall GF Score™ is 61/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Loan calculated?
Gross Loan is calculated from a company's financial statements. For Ballston SpA Bancorp (BSPA), the current Gross Loan is $1,108.77 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Ballston SpA Bancorp (BSPA) Overvalued in 2026?

Based on GuruFocus' analysis, Ballston SpA Bancorp stock appears to be overvalued. The current stock price of $82.92 is trading 16.5% above its estimated GF Value™ of $71.15. GuruFocus considers Ballston SpA Bancorp to be Modestly Overvalued.

Key valuation signals for BSPA:

  • Gross Loan: $1,108.77 Mil
  • GF Value™: $71.15 vs. price of $82.92 (16.5% above fair value)
  • GF Score™: 61/100 with 7 warning signs

No single metric tells the full story. See the BSPA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Ballston SpA Bancorp Business Description

Address 990 State Route 67, Ballston Spa, NY, USA, 12020
Ballston SpA Bancorp Inc is a bank-based financial services company. The parent company's banking subsidiary, Ballston Spa National Bank, is a community-based commercial bank and provides banking, financing, fiduciary, brokerage and other financial services to corporate, municipal, and individual customers through its thirteen branch offices.
61GF Score

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Gross Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$82.92
Price
$71.15
GF Value