Spencer Savings Bank, Savings and Loan Association: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions climbed 35.1% in Q2 2026, from $27.3M to $36.8M. It was the largest change from Q1 2026 among the key lines here. Spencer Savings Bank, Savings and Loan Association ranks 7th of 49 New Jersey banks on loan-to-deposit ratio, in the upper half at 108.28% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Spencer Savings Bank, Savings and Loan Association sits 20.08 points higher, at 108.28% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $36.8M |
| Cash and noninterest-bearing balances to assets | 0.91% |
| Cash and securities | $508.0M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $441.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.93% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.28% |
| Net loans and leases to deposits | 107.37% |
| Loans and leases to core deposits | 119.13% |
| Core deposits to total deposits | 90.89% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 112.59% | 91.80% | $0 | $493.9M |
| Q4 2023 | 111.51% | 91.81% | $0 | $476.0M |
| Q1 2024 | 112.94% | 91.04% | $0 | $571.0M |
| Q2 2024 | 112.63% | 90.29% | $0 | $511.0M |
| Q3 2024 | 106.30% | 89.96% | $0 | $441.0M |
| Q4 2024 | 103.47% | 90.54% | $0 | $406.0M |
| Q1 2025 | 100.98% | 90.23% | $0 | $391.0M |
| Q2 2025 | 103.28% | 90.25% | $0 | $371.0M |
| Q3 2025 | 105.52% | 90.43% | $0 | $396.0M |
| Q4 2025 | 103.50% | 91.31% | $0 | $341.0M |
| Q1 2026 | 105.17% | 90.77% | $0 | $356.0M |
| Q2 2026 | 108.28% | 90.89% | $0 | $441.0M |
Spencer Savings Bank, Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Spencer Savings Bank, Savings and Loan Association, freeSource: Call Report Schedules RC and RC-M, 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)