SARATOGA BANCORP

SARATOGA BANCORP, operating under SIC 6021 within the State Commercial Banks cohort, delivers commercial and retail banking services that blend traditional lending, deposit gathering, and treasury management for small-to-medium-sized enterprises and local depositors across its regional footprint; its core offerings include commercial real estate and construction financing, working capital credit lines, consumer mortgage loans, online and branch-based deposit accounts, and cash management solutions tailored for community businesses that value relationship banking. The company must balance growth with compliance to rigorous federal and state banking regulations, including capital adequacy requirements, anti-money-laundering protocols, and heightened scrutiny on credit quality in a rate-sensitive lending environment, meaning cyclical economic shifts in real estate or borrower creditworthiness could significantly affect earnings. With the most recent SEC filing being Form 10-Q filed in October 1999, prospective investors and partners can track how these risk factors evolve alongside operational initiatives; view live SEC filings on Earnings Feed.

Source: Earnings Feed research · last updated 11/24/2025