Spencer Savings Bank, Savings and Loan Association: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 14.5% lower than in Q1 2026, at -$7.1M. Spencer Savings Bank, Savings and Loan Association ranks 12th of 37 New Jersey banks on CET1 ratio, in the upper half at 16.80% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Spencer Savings Bank, Savings and Loan Association sits 3.32 points higher, at 16.80% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.80% |
| Tier 1 risk-based capital ratio | 16.80% |
| Total risk-based capital ratio | 17.86% |
| Tier 1 leverage ratio | 11.23% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $451.9M |
| Tier 1 capital | $451.9M |
| Total risk-based capital | $480.3M |
| Total equity capital | $478.5M |
| Risk-weighted assets | $2.69B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.86% |
| Tangible equity to tangible assets | 11.11% |
| Equity capital to average assets | 11.80% |
| Internal capital growth rate | 5.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $485.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.60% | 14.60% | 15.73% | 10.45% | $2.77B |
| Q4 2023 | 14.75% | 14.75% | 15.85% | 10.52% | $2.76B |
| Q1 2024 | 14.72% | 14.72% | 15.80% | 10.62% | $2.79B |
| Q2 2024 | 15.04% | 15.04% | 16.12% | 10.71% | $2.76B |
| Q3 2024 | 15.41% | 15.41% | 16.51% | 10.69% | $2.71B |
| Q4 2024 | 16.01% | 16.01% | 17.10% | 10.58% | $2.63B |
| Q1 2025 | 16.31% | 16.31% | 17.40% | 10.48% | $2.61B |
| Q2 2025 | 16.52% | 16.52% | 17.62% | 10.76% | $2.60B |
| Q3 2025 | 16.59% | 16.59% | 17.67% | 10.94% | $2.62B |
| Q4 2025 | 16.68% | 16.68% | 17.76% | 10.96% | $2.63B |
| Q1 2026 | 16.73% | 16.73% | 17.80% | 11.11% | $2.66B |
| Q2 2026 | 16.80% | 16.80% | 17.86% | 11.23% | $2.69B |
Spencer Savings Bank, Savings and Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Spencer Savings Bank, Savings and Loan Association, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Spencer Savings Bank, Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30076) · FFIEC NIC profile (RSSD 845573)