Welcome to BSNB
For 188 years, Ballston Spa National Bank has proudly supported communities across the greater Capital Region of upstate New York, offering a comprehensive array of banking and investment products and services to help our customers achieve their financial goals.
We have now expanded our services across a broader geographic footprint, delivering an enhanced banking experience through 21 convenient branch locations. As the two banks join together, it is clear we share a common purpose. For us, better banking is more than going through the motions. It’s about making an impact and putting forth the effort to support communities, businesses, families, and you. We show up. Each and every day. From mortgages to commercial loans and everything in between, we are committed to going the extra mile to help you achieve your financial goals.
We’ve also recently taken the opportunity to refresh our brand to better reflect who we are today and where we are headed tomorrow. You’ll see us rolling out our new logo, updated colors, and a more modern look across our branches and digital footprint. While our appearance is changing, our unwavering commitment to you remains the same. The same trusted team with the same dedication to showing up for you.
Thank you for your trust and for allowing us to serve as your financial services partner.
Sincerely,
Christopher R. Dowd
President and CEO
Christopher R. Dowd
President and CEO

our history
A Trusted Part of Your Community Since 1838
For nearly two centuries, we’ve grown the same way we always have: one relationship, one conversation, and one handshake at a time. Our original home office at 87 Front Street in Ballston Spa has anchored the village since 1824, when it served as a private residence before becoming the heart of our bank.
We recently completed a historic renovation of this landmark building, preserving the character our neighbors know and love while adding a full-service branch, a new ATM, and a new drive-thru, so the place where our story began is ready to welcome you for another 188 years and more.
Our mission
We Show Up
We show up for our customers and communities each and every day, during the moments that matter most. Because we believe financial decisions are about more than numbers. They are about growth. They are about building something stronger. They are about you and your goals. And our goal is to show up for you.


our values
At BSNB We Are:
- Deeply rooted and here to stay. Our 188 years of experience guides our future.
- Committed to showing up for our communities and the neighbors we serve.
- Making decisions on a local level with speed, care, and accountability.
- Providing you clear guidance through life’s big and small milestones.
- Believers in your success. Growth strengthens our entire community.
Board of Directors
BSNB is led by an exceptional group of individuals who are dedicated to making a difference for their clients and in our community as well.
Richard P. Sleasman
Board Chair, President, CBRE Upstate NY
Dawn Abbuhl, PhD
Board Vice Chair, President, Repeat Business Systems
Paul N. DiCaprio
Sales Consultant, Specialty Silicone Products, Inc.
Christopher R. Dowd
President and Chief Executive Officer
Michael S. Dunn
Chief Technology Officer, ultra.io
Aaron P. Flach
Real Estate Investments, Flach Development Inc.
Carl A. Florio
Vice Chairman, Paradigm Funds Advisor LLC, Director at Hudson Valley, Inc.,
Beth A. Grasso, CPA
Certified Public Accountant
Paul A. Milton
President and CEO of Ellis Medicine
Stephen J. Obermayer, CPA
Chief Financial Officer, BBL Construction Services, LLC and President, BBL Hospitality, LLC
Donald G. Persico
Owner, Persico True Value Hardware
Theresa M. Skaine
Attorney and Owner, Skaine and Associates, LLC
Joseph H. Warren
President, State Telephone; Assistant Greene County Attorney
Directors Emeriti
J. Peter Hansen, DVM
Ronald G. Harrington
Leroy N. Hodsoll
Timothy J. Provost
Robert E. Van Vranken, Esq.
Executive Officers
Christopher R. Dowd
President and Chief Executive Officer
John Balli
Senior Executive Leader
James J. Conroy
Executive Vice President, Chief Banking Officer
James Dodd
Executive Vice President, Chief Financial Officer
Senior Vice Presidents
Leslie S. Dorsey
Senior Vice President, Human Resources
Richard Klefsky
Senior Vice President, Chief Operating Officer
Thomas B. Leach
Senior Vice President, Retail Lending
Caitlin McCrea
Senior Vice President, Finance and Reporting
Pamela J. Montpelier
Senior Vice President, Growth and Experience Officer
David J. Omicinski
Senior Vice President, Business Banking Team Lead
Robert J. Roemer
Senior Vice President, Information Systems
Vice Presidents
Matthew Becker
Vice President, Wealth Management Officer
Brad Bentley
Vice President, Commercial Relationship Manager
Timothy J. Collins
Vice President, Commercial Relationship Manager
George Cooper
Vice President, Retail Banking
Jillian Cutrone
Vice President, Marketing
Renee L. Flanders
Vice President, Senior Treasury Management Officer
Nicole Frisbee
Vice President, Risk Management
Jeffrey B. Goliber
Vice President, Wealth Management Solutions
Edward Hart
Vice President, Commercial Banking Manager
Andrei Krasnokutski
Vice President, Commercial Relationship Manager
Melissa C. Mewhorter
Vice President, Finance and Controller
Jodi M. Modder
Vice President, Customer Support Operations
Trudy M. Seeber
Vice President, Market Manager
Thomas M. White
Vice President, Senior Investment and Trust Officer





