Ballston Spa Bancorp, Inc. is a bank-based financial services company. The Company's banking subsidiary, Ballston Spa National 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 through its around 10 branch offices. The Bank also offers checking accounts, savings and money market accounts, health savings account, certificates of deposits (CDs) and individual retirement accounts (IRAs), relationship banking, debit card, gift/travel card. It offers IRA certificates of deposit, Roth IRAs and Coverdell Education Accounts. It also offers investment services, such as annuities, 529 plans, mutual funds and life insurance. The Bank serves individuals, families and businesses from all over New York's Saratoga County.