SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION is aln large FDIC-insured commercial bank headquartered in ELMWOOD PARK, NJ, established in Sept. 19, 1939, midnight. As of 2025-12-31, the bank reported total assets of $4.0B and total deposits of $3.1B. Profitability stands at 0.43% ROA and 3.74% ROE, with a net interest margin of 2.69%. The bank's CET1 capital ratio is 16.68%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.58% and a Texas Ratio of 3.80%. FDIC Certificate #30076.
Assets
$4.0B
Deposits
$3.1B
Loans
$3.3B
Equity
$468M
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