SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION is an 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%. CET1 capital ratio: 16.68%, well above regulatory minimums. NPL ratio: 0.58% · Texas Ratio: 3.80%. Operates 28 domestic branches.
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