Nbc Bancorp Stock Price, News & Analysis

NBC Bancorp, Inc. (OTCPK: NCXS) is the holding company for The National Bank of Coxsackie, a community-focused institution in the commercial banking industry within the finance and insurance sector. NBC Bancorp’s banking operations are conducted through The National Bank of Coxsackie, which has served customers since 1852 and positions itself as a bank of choice for thousands of customers in New York’s Capital Region.

The National Bank of Coxsackie operates as a regional community bank. According to company communications, it maintains eight branch locations ranging from Coxsackie to Glenmont in New York State, and also operates a commercial loan production and administrative office in Latham, New York. Through this footprint, the bank serves the greater Capital Region and emphasizes personal service and local relationships.

Company materials describe The National Bank of Coxsackie as offering retail and commercial banking services. These services are framed as comparable to those available from larger banks, while being delivered with a personal touch typical of a community institution. NBC Bancorp highlights its long operating history, local presence and community orientation as core elements of its identity.

Corporate structure and ownership

NBC Bancorp, Inc. functions as the parent company of The National Bank of Coxsackie. Public disclosures consistently identify the bank as a wholly owned subsidiary of NBC Bancorp, Inc. The holding company’s common stock is quoted on the OTC Pink marketplace under the symbol NCXS.

Community banking focus

Across multiple announcements, The National Bank of Coxsackie underscores its role as a community bank in the Capital Region. It highlights a commitment to supporting the communities in which it operates, including donations and grant-supported contributions to regional nonprofit organizations and cultural and educational institutions. These activities are presented as part of the bank’s broader mission to support local organizations and community development.

The bank also emphasizes personalized customer service and the importance of local decision-making and relationships. Statements from bank leadership describe NBC as a true community bank in its markets and stress the importance of customer service, community involvement and long-term relationships with individuals and businesses.

Branch network and market area

According to company news releases, The National Bank of Coxsackie operates eight full-service branch locations from Coxsackie to Glenmont, serving customers across Albany, Greene and Schoharie Counties in New York State. The bank also maintains a commercial loan production and administrative office in Latham, New York. This network allows NBC Bancorp to serve a range of communities across the greater Capital Region.

Historical background

Company disclosures state that The National Bank of Coxsackie was established in 1852. Over more than a century and a half, it has evolved into a regional community bank serving individuals, businesses and organizations. Its long operating history is frequently referenced in public communications as part of its identity and reputation in the region.

Strategic combination with Ballston Spa Bancorp, Inc.

In a joint announcement, Ballston Spa Bancorp, Inc. (the holding company for Ballston Spa National Bank, or BSNB) and NBC Bancorp, Inc. disclosed that they entered into a strategic merger of equals. Under this proposed transaction, The National Bank of Coxsackie and Ballston Spa National Bank plan to combine to create a community bank serving the greater Capital District and surrounding markets.

The combined bank is expected to conduct business under the BSNB charter, with the former NBC locations operating under the name “Coxsackie Bank, a division of Ballston Spa National Bank.” The combined holding company will be known as Ballston Spa Bancorp, Inc. and is expected to trade under the existing BSPA symbol. The merger is subject to customary closing conditions, including regulatory and shareholder approvals, and the companies indicated an expected closing in the second quarter of 2026. Until completion, NBC Bancorp, Inc. and The National Bank of Coxsackie continue to be referenced as separate entities in company communications.

Business repositioning

In a communication describing balance sheet repositioning, The National Bank of Coxsackie reported that it sold a portion of its available-for-sale securities portfolio, consisting of U.S. Treasury and municipal securities, and used the proceeds to pay down wholesale funding and redirect funds into higher-yielding loans. The company stated that this transaction was designed to improve net interest income and returns on average assets and equity, and that the transaction had a neutral impact on stockholders’ equity and tangible book value per share at execution.

Human capital and leadership development

Public announcements from NBC highlight internal promotions and new hires in branch management, lending and administrative roles. These communications emphasize experience in community banking, customer service, and local market knowledge. The bank presents these personnel developments as part of its growth story and its focus on strengthening leadership and customer-facing teams across its branch network and loan production office.

Community involvement and philanthropy

NBC Bancorp, through The National Bank of Coxsackie, regularly reports on donations and grant-supported contributions to nonprofit organizations in the Capital Region. Examples include support for organizations focused on cultural and educational programming, animal welfare and workforce development for women. In these communications, the bank reiterates its commitment to supporting the communities in which it operates and frames such contributions as part of its role as a community bank.

Status and future structure

Based on the joint announcement with Ballston Spa Bancorp, Inc., NBC Bancorp, Inc. is expected to become part of a combined holding company structure under the Ballston Spa Bancorp, Inc. name, with the banking operations conducted under the BSNB charter. NBC locations are expected to continue serving customers as a division of Ballston Spa National Bank following completion of the merger. The transaction remains subject to regulatory and shareholder approvals and other customary closing conditions as described in the joint communication.

Frequently Asked Questions about NBC Bancorp, Inc. (NCXS)

• What is NBC Bancorp, Inc.?
  

  NBC Bancorp, Inc. is the holding company for The National Bank of Coxsackie, a community bank that provides retail and commercial banking services in New York’s Capital Region.

• What bank operates under NBC Bancorp, Inc.?
  

  The National Bank of Coxsackie is the wholly owned banking subsidiary of NBC Bancorp, Inc., and it conducts the company’s community banking operations.

• When was The National Bank of Coxsackie established?
  

  Company communications state that The National Bank of Coxsackie was established in 1852 and has operated as a community bank for more than 170 years.

• Where does The National Bank of Coxsackie operate?
  

  The bank reports that it operates eight branch locations from Coxsackie to Glenmont and serves the greater Capital Region, including Albany, Greene and Schoharie Counties in New York State, along with a commercial loan production and administrative office in Latham, New York.

• What types of services does The National Bank of Coxsackie offer?
  

  Public descriptions indicate that the bank offers retail and commercial banking services and positions its products and services as comparable to those of larger banks, while emphasizing a personal, community-focused approach.

• On which market does NBC Bancorp, Inc. trade?
  

  NBC Bancorp, Inc. is identified in company communications as trading on the OTC Pink marketplace under the symbol NCXS.

• How does NBC Bancorp describe its approach to community banking?
  

  The bank characterizes itself as a premier or true community bank in its markets, emphasizing personal service, local relationships, and support for community organizations and initiatives.

• What is the planned merger involving NBC Bancorp, Inc.?
  

  NBC Bancorp, Inc. and Ballston Spa Bancorp, Inc. announced a strategic merger of equals under which their banks will combine. The combined bank is expected to operate under the Ballston Spa National Bank charter, with NBC locations known as “Coxsackie Bank, a division of Ballston Spa National Bank,” subject to regulatory and shareholder approvals.

• What will the combined holding company be called after the merger?
  

  The joint announcement states that the combined holding company will be known as Ballston Spa Bancorp, Inc. and will trade under the BSPA symbol, assuming completion of the transaction.

• Does NBC Bancorp, Inc. emphasize community support in its activities?
  

  Yes. Multiple company announcements describe donations and grant-supported contributions to regional nonprofit organizations, highlighting NBC’s commitment to supporting the communities in which it operates.