Spencer Savings Bank, Savings and Loan Association: Efficiency Ratio
Data as of · sourced from FFIEC call reports. How we update
Spencer Savings Bank, Savings and Loan Association reported an efficiency ratio of 66.35% as of Q2 2026, ranking #2,469 of 3,608 U.S. banks (32nd percentile). That is down 7.67 percentage points from 74.02% a year earlier, and above the 58.00% median of the 853 Large Community Banks ($1B–$10B in assets). The efficiency ratio measures non-interest operating expense against net revenue. A lower ratio means the bank converts more of each revenue dollar into pre-tax income.
12-Quarter Trend
National Context
What is the Efficiency Ratio?
A bank's efficiency ratio is its noninterest expense divided by its revenue, net interest income plus noninterest income. It shows how many cents the bank spends to earn each dollar of revenue, so a lower ratio is better.
Compare banks of similar size and business model. Very small banks rarely run below 60% because fixed costs are spread over less revenue, and fee-heavy banks with trust or mortgage businesses carry higher expense against their revenue. The trend matters as much as the level: a rising ratio means expenses are growing faster than revenue. A very low ratio can also mean underinvestment in staff or systems.
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What is Spencer Savings Bank, Savings and Loan Association's Efficiency Ratio?
Spencer Savings Bank, Savings and Loan Association's Efficiency Ratio was 66.35% as of Q2 2026, ranking #2469 of 3,608 U.S. banks.
What is the Efficiency Ratio?
A bank's efficiency ratio is its noninterest expense divided by its revenue, net interest income plus noninterest income. It shows how many cents the bank spends to earn each dollar of revenue, so a lower ratio is better.
More Spencer Savings Bank, Savings and Loan Association metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Spencer Savings Bank, Savings and Loan Association profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 30076) · FFIEC NIC profile (RSSD 845573)