Frequently Asked Questions
GENERAL:
As of April 1, 2026, Ballston Spa Bancorp, Inc., holding company of Ballston Spa National Bank (BSNB) and NBC Bancorp, Inc., holding company of National Bank of Coxsackie (NBC), joined forces to create a $1.3 billion community bank serving the Capital Region. NBC and its branches are now BSNB, Coxsackie Bank Division, but will continue to operate under their existing banking platform as we work toward the full integration of our systems and alignment of our products and services, which is scheduled to be completed in the fourth quarter of 2026.
What are the benefits of this strategic merger?
BSNB and NBC have joined together to offer you more:
Access, Technology and Larger Branch Network Benefits
Expanding our footprint gives customers wider access to our combined network – more branches, more surcharge-free ATMs, and a shared commitment to unparalleled customer service. Joining forces enables both banks to offer a broader range of financial products, loans and services that go beyond what one bank could deliver alone.
Competitive Strength and Growth Opportunities
Together, we create a stronger, more competitive bank with the scale to grow and agility to respond to community needs. Expanding into new counties gives us the ability to deepen our regional presence and, at the same time, open the door to new opportunities for lending, investment and community partnerships
Philanthropy
By extending our philanthropic reach, we can support more nonprofits, schools and community initiatives that rely on public-private partnerships. Our commitment to the communities we serve is well-established – we’re more than banking. For more than two centuries and counting, we have worked to strengthen the fabric of the neighborhoods we are proud to call home, and the future is bright!
Local Decision Making
By merging our rich histories, experience and resources, we’re expanding our lending capacity while keeping decisions local. This means faster approvals, greater flexibility in providing solutions, and peace of mind knowing that the people behind financial decisions impacting your future know you and your community and understand your needs in ways other lenders cannot.
Expanded Services
As we expand BSNB’s presence in the Coxsackie market, we will also be able to expand our service offerings. Coxsackie Bank customers now have access to our full list of Wealth Management Solutions, such as investment and asset management services, trust and estate administration, managed IRAs, and wealth management benefits. They also have access to our Financial Services expertise, including personal investment services, insurance, IRA services, employer sponsored retirement plans, and college planning.
Who is BSNB?
Ballston Spa National Bank (BSNB) opened in May 1838 on Front Street in Ballston Spa, NY. As of September 30, 2025, BSNB manages approximately $914 million in total assets and serves individuals, businesses, organizations and families through 21 full-service branches across Albany, Greene, Saratoga, and Schoharie Counties in New York State. BSNB provides a complete range of retail, commercial, residential and private-wealth banking solutions designed to meet the needs of a growing community. With a legacy of more than 185 years, the bank remains committed to personal service, local decision-making, and long-term relationships, while delivering the convenience of modern banking with the care and attention of a true community partner.
When will the merger be completed?
As of April 1, 2026, the two banks have legally merged. However, we expect it to be operationally combined in the fourth quarter of 2026. We will continue to provide comprehensive details about the timeline as the integration of our banking systems progresses.
When will I find out more?
Visit bsnb.com/merger to find all the latest information on the merger. Please ensure we have your up-to-date contact information on file including your phone number, address and email so that you do not miss any important notifications. You can update your information by visiting your local branch or message us via secured email from the contact us section on our website.
Will the name of the bank change?
The name of the combined bank is Ballston Spa National Bank (BSNB). The former NBC locations now operate as BSNB, Coxsackie Bank Division.
Will my branch close?
No. There are no duplicate branch locations, and none of the current locations are expected to be closed as a part of the merger. Our geographically complementary footprint is one of the key benefits of the two banks joining together.
Can I visit any BSNB or NBC branch now and perform transactions?
Not yet--until we are operationally combined, which we anticipate happening in fourth quarter of 2026, you can continue banking as usual at your current bank location. However, we are excited to offer wider access to our ATM network to all customers. Any of our customers can use any of our ATMs at BSNB or BSNB, Coxsackie Bank Division locations surcharge free beginning April 1.
Will the merger affect my FDIC coverage?
FDIC insurance protects up to $250,000 per depositor, per bank, per ownership category. Before merging, your deposits at BSNB and NBC were separately insured. Upon the legal merger, there is a 6 month grace period where your existing deposits at both banks will be separately insured. Any accounts opened at either BSNB or BSNB, Coxsackie Bank Division locations after the merger will be considered combined with any existing accounts at BSNB and insured for the combined balance up to $250,000.
- For checking and savings accounts that were opened prior to 04/01/2026, your deposits at BSNB and NBC will be separately covered up to $250,000 at each bank through 09/30/2026.
- For CDs, if your CD opened prior to 04/01/2026 matures and renews between 04/01/2026 and 09/30/2026 and you do not deposit new funds (not including accrued interest paid) when renewing, they will be separately covered up to $250,000 at each bank until the next maturity date after 09/30/2026.
- If your CD opened before 04/01/2026 and matures after 09/30/2026, they will be separately covered up to $250,000 at each bank until the first maturity date after 09/30/2026.
ACCOUNTS AND SERVICES:
Will there be a disruption in my services or account access?
There will be no interruption in access to your accounts, loans or services at this time. We will send you a complete customer guide by mail in advance of our system integration, planned for the fourth quarter of 2026.
Will my account numbers or routing numbers change?
Currently, there are no changes to your account numbers or routing number for the bank. As we review integration plans, any necessary changes will be provided to you with clear instructions to guide you through the process.
Can I use my current checks and debit cards?
Yes, you can continue to use your current checks and debit cards.
Will my current accounts, loans or services change?
Currently, there are no changes to your accounts, loans or services. We look forward to expanding our suite of products and services for all customers over the next several months.
ONLINE AND MOBILE BANKING:
Can I use online and mobile banking?
Yes, you can continue to use your online and mobile banking services with no changes to your login credentials.
LOAN AND PAYMENTS:
Are there any changes to my loan numbers or how to make payments?
There has been no change to your loan account numbers at this time, and you should continue to make your payments as scheduled.
BUSINESS CLIENTS:
Have my business services changed?
There have been no changes to any business services. You will continue to work with your existing commercial banking team for any services or questions. Your current banking officer will remain your primary point of contact. To speak to a member of our Business Banking Team, please call us at (518) 363-8106.
TREASURY MANAGEMENT CLIENTS:
Have my treasury management services changed?
There have been no changes to any treasury management services. You will continue to work with your existing treasury management officer for any services or questions.
WEALTH MANAGEMENT SOLUTIONS NEW AND EXISTING CLIENTS:
How do I reach a Wealth Management Solutions Advisor or Financial Services Representative?
To speak to a Wealth Management Solutions Advisor or Financial Services Representative, please call us at (518) 363-8698.
BENEFITS FOR THE COMMUNITY:
BSNB has a strong commitment to giving back to the community in numerous ways from employee volunteer initiatives, serving on local boards, and philanthropic contributions to schools, nonprofit organizations and civic organizations. Our leadership will continue this strategic mission to provide resources in our combined region.
BE MINDFUL OF FRAUDSTERS:
During bank mergers we know that cybercriminals and scammers sometimes use this transition to target individuals and businesses. We will never ask for personal information via emails, texts, or pop-up messages. Never share your usernames, passwords, Social Security numbers, birth dates or banking credentials with anyone. If you receive such a request for this information, do not respond and report it immediately to your local branch.
WHERE CAN I FIND MORE INFORMATION OR ASK ADDITIONAL QUESTIONS:
If you are a BSNB customer, visit your BSNB local branch or call Customer Service at (518) 885-6781. If you are a BSNB, Coxsackie Bank Division customer, visit your BSNB Coxsackie Bank Division local branch or call Customer Service at (518) 731-6161. We will also provide frequent updates on our website, bsnb.com/merger, throughout this process.