Bank call report · Elmwood Park, NJ
Spencer Savings Bank, Savings and Loan Association Call Report
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Spencer Savings Bank, Savings and Loan Association filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 395 reported line items, schedule by schedule (963 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 845573 |
| FDIC certificate number | 30076 |
| Total assets | $4.04B |
Official Q2 2026 call report PDF (FFIEC) →
Spencer Savings Bank, Savings and Loan Association call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · Spencer Savings Bank, Savings and Loan Association balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $4.04B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $4.04B |
| Total Liabilities and Minority Interest | RCON2948 | $3.56B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $3.29B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $3.26B |
| Total Deposits | RCON2200 | $3.04B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $2.69B |
| Undivided Profits and Capital Reserves | RCON3632 | $485.6M |
| Total Equity Capital | RCON3210 | $478.5M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $478.5M |
| Other Borrowed Money | RCON3190 | $441.0M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $435.4M |
| Deposits: Noninterest-bearing | RCON6631 | $347.9M |
| Other Assets | RCON2160 | $218.2M |
| Other Liabilities, Total | RCON2930 | $77.0M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $35.3M |
| Held-to-maturity Securities, Total | RCON1754 | $35.3M |
| Intangible Assets | RCON2143 | $33.7M |
| Goodwill | RCON3163 | $33.4M |
| Allowance for Loan and Lease Losses | RCON3123 | $27.6M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $19.1M |
| Interest-bearing Balances | RCON0071 | $17.8M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $12.5M |
| Accumulated Other Comprehensive Income | RCONB530 | -$7.1M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $493K |
Schedule RI: Income Statement (43 items)
About Schedule RI · Spencer Savings Bank, Savings and Loan Association income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $95.9M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $84.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $70.1M |
| Net Interest Income | RIAD4074 | $53.4M |
| Total Interest Expense | RIAD4073 | $42.5M |
| Total Noninterest Expense | RIAD4093 | $38.0M |
| Salaries and Employee Benefits | RIAD4135 | $23.8M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $17.5M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $17.1M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $15.7M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $14.0M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $13.1M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $12.8M |
| Net Income (Loss) | RIAD4340 | $12.8M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $12.8M |
| Other Noninterest Expense | RIAD4092 | $8.9M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $7.6M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $6.7M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $5.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $4.9M |
| Applicable Income Taxes | RIAD4302 | $4.3M |
| Total Noninterest Income | RIAD4079 | $3.4M |
| Other Noninterest Income | RIADB497 | $2.9M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.5M |
| Interest on Other Securities | RIAD4060 | $1.4M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1.2M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $959K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | -$872K |
| Other Interest Income | RIAD4518 | $770K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $705K |
| Provision for Loan and Lease Losses | RIAD4230 | $550K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $550K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $491K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $468K |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $435K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | -$343K |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $334K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $135K |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $71K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $68K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $63K |
| Net Servicing Fees | RIADB492 | $22K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 328 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $36.8M |
| Balances Due from Federal Reserve Banks | RCON0090 | $12.2M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $8.8M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $8.2M |
| Currency and Coin | RCON0080 | $7.6M |
Schedule RC-B: Securities (39 items)
About Schedule RC-B · Spencer Savings Bank, Savings and Loan Association securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $4.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $4.1M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $223.4M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $208.3M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $146.6M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $142.6M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $458.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $125.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $123.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $83.1M |
| Pledged Securities | RCON0416 | $53.3M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $47.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $47.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $43.9M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $35.2M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $35.1M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $35.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $30.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $27.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $23.1M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $16.0M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $16.0M |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $9.0M |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $9.0M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $8.2M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $8.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $8.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $7.2M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $7.1M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $7.0M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $6.9M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $6.4M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $6.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $5.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $4.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $3.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $2.9M |
| Asset-backed securities and structured financial products, Structured financial products, Held-to-maturity, Amortized Cost | RCONHT58 | $110K |
| Asset-backed securities and structured financial products, Structured financial products, Held-to-maturity, Fair Value | RCONHT59 | $110K |
Schedule RC-C, Part I: Loans and Leases (30 items)
About Schedule RC-C, Part I · Spencer Savings Bank, Savings and Loan Association loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $3.29B |
| Pledged Loans and Leases | RCONG378 | $2.34B |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $1.49B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $1.41B |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $707.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $655.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $439.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $376.1M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $366.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $263.9M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $233.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $225.6M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $111.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $104.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $102.6M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $84.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $83.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $57.7M |
| Commercial and Industrial Loans | RCON1766 | $53.3M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $53.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $45.8M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $39.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $27.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $15.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $5.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $5.0M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $1.2M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $1.2M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $863K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $575K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $104.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $15.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $3.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $3.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $3.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $359K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 242 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 224 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 48 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 30 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 29 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 15 |
Schedule RC-E: Deposit Liabilities (31 items)
About Schedule RC-E · Spencer Savings Bank, Savings and Loan Association deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $2.23B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $2.04B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $819.5M |
| Total Transaction Accounts | RCON2215 | $805.2M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $760.4M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $750.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $574.5M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $432.6M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $425.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $406.4M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $379.3M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $299.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $276.9M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $262.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $240.5M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $191.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $185.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $177.5M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $114.7M |
| Total Demand Deposits (See Note Below) | RCON2210 | $101.5M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $85.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $84.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $70.6M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $68.8M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $22.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $14.1M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $12.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $8.0M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $3.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $674K |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $2K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $102.5M |
| Other Assets | RCON2168 | $46.4M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $25.2M |
| Accrued Interest Receivable | RCONB556 | $20.3M |
| Net Deferred Tax Assets | RCON2148 | $19.8M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $13.1M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $4.1M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $63.1M |
| Deferred Compensation Liabilities | RCONC011 | $47.2M |
| Other Expenses Accrued and Unpaid | RCON3646 | $12.9M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $861K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $215K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Spencer Savings Bank, Savings and Loan Association quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $4.06B |
| Quarterly Average of Total Loans | RCON3360 | $3.28B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $2.64B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $866.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $854.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $579.0M |
| Mortgage-backed Securities | RCONB559 | $417.4M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $400.6M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $397.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $282.2M |
| All Other Securities | RCONB560 | $55.5M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $53.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $45.1M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $22.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $5.9M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (12 items)
About Schedule RC-L · Spencer Savings Bank, Savings and Loan Association derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Off-balance Sheet Liabilities | RCON3430 | $505.0M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $505.0M |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $165.0M |
| Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate | RCONA589 | $165.0M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $165.0M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $99.8M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $53.2M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $53.1M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $24.5M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $19.6M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8745 | $3.5M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $333K |
Schedule RC-M: Memoranda (5 items)
About Schedule RC-M · Spencer Savings Bank, Savings and Loan Association memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $441.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $441.0M |
| All other intangible assets | RCONJF76 | $341K |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $269K |
| Does the Institution Use the Home Owners' Loan Act (Hola) Qtl Test or the Internal Revenue Service Domestic Building and Loan Association (IRS Dbla) Test to Determine Its Qtl Compliance? | RCONL133 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (17 items)
About Schedule RC-N · Spencer Savings Bank, Savings and Loan Association past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $19.0M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Nonaccrual | RCON3501 | $11.6M |
| Additions to Nonaccrual Assets | RCONC410 | $3.0M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $2.8M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $2.1M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.8M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $1.1M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $954K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $789K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $552K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Past Due 30 Through 89 Days and Still Accruing | RCON3499 | $333K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $221K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $166K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $64K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $47K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $15K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $2K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Spencer Savings Bank, Savings and Loan Association other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $4.06B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $3.04B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $1.51B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $1.29B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $1.26B |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $431.1M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $202.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $38.4M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 57,665 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 9,323 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 1,550 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 100 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $435.9M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $435.9M |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $435.4M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $435.4M |
| Available-for-sale Securities - Level 1 Fair Value Measurements | RCONG475 | $493K |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCONG504 | $493K |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Spencer Savings Bank, Savings and Loan Association regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $2.69B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (25 items)
About Schedule RC-R, Part I · Spencer Savings Bank, Savings and Loan Association regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $4.06B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $4.02B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $2.69B |
| Retained Earnings | RCOAKW00 | $485.6M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $480.3M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $478.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $451.9M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $451.9M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $451.9M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $33.7M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $33.4M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $28.4M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $28.4M |
| Tier 2 Capital Before Deductions | RCOAP870 | $28.4M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$16.8M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | $8.6M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$7.1M |
| Accumulated Net Gains (Losses)on Cash-flow Hedges (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP846 | $1.1M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $341K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1786 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.168 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.168 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1123 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0986 |
Schedule RC-R, Part II: Risk-Weighted Assets (64 items)
About Schedule RC-R, Part II · Spencer Savings Bank, Savings and Loan Association risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $2.69B |
| Total Risk-weighted Assets | RCONG641 | $2.69B |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $2.07B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $1.81B |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $1.81B |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $1.81B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $1.69B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $1.69B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $1.69B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $1.21B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $1.21B |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $907.0M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $421.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $414.0M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $414.0M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $335.1M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $265.7M |
| Total All Other Assets | RCOND981 | $264.4M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $200.1M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $165.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $118.3M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $118.3M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $98.1M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $82.8M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $36.8M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $35.2M |
| Total Held-to-maturity Securities | RCOND961 | $35.2M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $33.4M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $26.4M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$23.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $20.8M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $19.8M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $17.0M |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Adjustments to Total Reported in Column a | RCONS481 | $14.4M |
| Total On-balance Sheet Securitization Exposures, Available-for-sale Securities | RCONS480 | $14.4M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $7.5M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $5.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $4.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $4.2M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $4.1M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $4.1M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $4.1M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $3.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $3.9M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $3.9M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $3.9M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $3.9M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$2.8M |
| Over-the-counter Derivatives - 50 Pct Risk Weight Category | RCONS546 | $825K |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $825K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $349K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $333K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $333K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $333K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $294K |
| Off-balance Sheet Securitization Exposures - Adjustments to Total Reported in Column a | RCONS496 | $202K |
| Total Off-balance Sheet Securitization Exposures | RCONS495 | $202K |
| On-balance Sheet Securitization Exposures, Held-to-maturity Securities - Adjustments to Total Reported in Column a | RCONS476 | $110K |
| Total On-balance Sheet Securitization Exposures, Held-to-maturity Securities | RCONS475 | $110K |
| Unconditionally Cancellable Commitments | RCONS540 | $103K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $49K |
| Off-balance Sheet Securitization Exposures - Ssfa Risk Weight Exposure, by Calculation Method | RCONS498 | $1K |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Ssfa Risk Weight Exposure, by Calculation Methodology | RCONS483 | $1K |
| On-balance Sheet Securitization Exposures, Held-to-maturity Securities - Ssfa Risk Weight Exposure, by Calculation Methodology | RCONS478 | $1K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Loans Other Than 1-4 Family Residential Mortgage Loans That Are Serviced for Others | RCONA591 | $33.5M |
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans | RCONB790 | $3.3M |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with Recourse or Oher Servicer-provided Credit Enhancements | RCONB804 | $3.3M |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $678K |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans | RCONB797 | $202K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $478.5M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $468.0M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $468.0M |
| Other Comprehensive Income | RIADB511 | -$2.2M |
| Restatements Due to Corrections of Material Accounting Errors and Changes in Accounting Principles | RIADB507 | -$2K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (10 items)
About Schedule RI-B, Part I · Spencer Savings Bank, Savings and Loan Association charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $412K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $280K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Charge-offs | RIADC897 | $129K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $74K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $43K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Recoveries | RIADC898 | $20K |
| Recoveries on Loans Secured by Multifamily (5 or More) Residential Properties | RIAD3589 | $5K |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $5K |
| Charge-offs on All Other Loans | RIAD4644 | $3K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Spencer Savings Bank, Savings and Loan Association changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $27.6M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $27.4M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $412K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $3.29B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $2.57B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $581.5M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $84.8M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $53.3M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $27.6M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $23.8M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $5.9M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $2.1M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $1.4M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $254K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $37K |
Schedule RI-E: Explanations (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $2.1M |
| Legal Expense | RIAD4141 | $2.0M |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $1.5M |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $417K |
| Second Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4462 | $414K |
Spencer Savings Bank, Savings and Loan Association call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Spencer Savings Bank, Savings and Loan Association call report?
The Spencer Savings Bank, Savings and Loan Association call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Spencer Savings Bank, Savings and Loan Association file?
Spencer Savings Bank, Savings and Loan Association files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Spencer Savings Bank, Savings and Loan Association call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Spencer Savings Bank, Savings and Loan Association has Federal Reserve RSSD ID 845573 and FDIC certificate number 30076. Either one finds its filings on the FFIEC Central Data Repository.
How often does Spencer Savings Bank, Savings and Loan Association file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Spencer Savings Bank, Savings and Loan Association financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 30076) · FFIEC NIC profile (RSSD 845573)