Ballston Spa Bancorp annual return on equity
2023
2024
2025
Ballston Spa Bancorp Return on Equity (ROE) Growth & History (BSPA)
Ballston Spa Bancorp's return on equity was 6.61% for fiscal 2025.
View full Ballston Spa Bancorp company overviewBallston Spa Bancorp annual return on equity history
| Fiscal year | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| 2025 | 2025-12-31 | 6.61% | +6.61 pp |
| 2024 | 2024-12-31 | 0.00% | +2.37 pp |
| 2023 | 2023-12-31 | −2.37% | — |
Ballston Spa Bancorp quarterly return on equity
Q1.25
Q2.25
Q3.25
Q4.25
Q1.26
Q2.26
| Fiscal quarter | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| Q2 2026 | 2026-06-30 | −0.86% | −2.71 pp |
| Q1 2026 | 2026-03-31 | 0.34% | −1.62 pp |
| Q4 2025 | 2025-12-31 | 0.79% | — |
| Q3 2025 | 2025-09-30 | 2.13% | — |
| Q2 2025 | 2025-06-30 | 1.85% | — |
| Q1 2025 | 2025-03-31 | 1.97% | — |
Ballston Spa Bancorp return on equity trends
Between the periods ended 2023-12-31 and 2025-12-31, Ballston Spa Bancorp's return on equity increased from −2.37% to 6.61%, a change of +8.98 percentage points. The latest reported quarter, Q2 2026, shows −0.86%.
About the metric
What return on equity (ROE) means
Return on equity (ROE) measures how much net income a company generates relative to shareholders’ equity. It can help evaluate how efficiently equity capital is used, but unusually high or negative values may reflect leverage, losses, or a small equity base.
Calculation and source
How return on equity is calculated
TickerStat calculates ROE as SEC-reported net income divided by average stockholders’ equity at the beginning and end of the fiscal period. Periods with missing or non-positive average equity are omitted. Quarterly ROE uses quarterly net income and is not annualized. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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