Ballston Spa Bancorp, Inc. is a bank holding company, which engages in the provision of personal and commercial banking services. The firm offers banking, loan, investment, and management services. Its services include checking accounts, debit card, gift and travel cards, money market accounts, savings accounts, health savings account, online banking, mobile banking, digital payments, treasury management, payment processing, commercial loans, small business loans, business credit cards, mortgage programs, new home construction loans, home improvement loans and home equity lines, loans, and personal loans. The company was founded on June 6, 1905 and is headquartered in Ballston Spa, NY.