Welcome to BSNB
Serving the financial needs of our community has been a driving force for BSNB since we opened our doors in 1838. Today, we continue to build for the future by giving back to the communities we serve, offering the products and services that customers need and expect, and by developing relationships—one client at a time. In fact, customers tell us that BSNB’s ongoing commitment to a banking experience with a personal touch is what sets us apart.
I encourage you to get to know us. The heart and soul of BSNB is comprised of a talented team of people dedicated to the following:
- To consistently exceed expectations and treat every customer as if we’ve known them our entire life;
- To give back and strengthen the communities where we work and live;
- To continually improve and enhance the value we deliver to our customers, staff, and community;
- To constantly surprise people with what a bank can be and the impact it can have on customers and the community;
- To a belief that actions and not just words define who we are as a company.
We know you have a choice when it comes to your bank and will work hard to earn your business. From loans and mortgages, to checking and savings – BSNB is here for all your financial needs, at your local branch, online or on the go.
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.
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
Ann M. Sharpe
Vice President, Senior Trust Officer
Thomas M. White
Vice President, Senior Investment and Trust Officer
supplier diversity
A Commitment to Diversity
Ballston Spa National Bank is committed to an inclusive, diverse Capital Region. We welcome diverse-owned businesses to compete for our procurement opportunities alongside every other vendor we evaluate. To qualify as a diverse supplier, your business must be at least 51 percent owned, operated, and controlled by U.S. citizens who are Black, Hispanic, Native American, Asian American, and Women. Register your business with us to get started.





