Spencer Savings Bank, Savings and Loan Association: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 8.52 percentage points lower than in Q1 2026, at 476.48%. Within New Jersey, Spencer Savings Bank, Savings and Loan Association is 7th of 49 on loan-to-deposit ratio, 108.28% as of Q2 2026, above the middle of the field. Spencer Savings Bank, Savings and Loan Association reported 108.28% on loan-to-deposit ratio for Q2 2026, 20.08 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.29B |
| Net loans and leases | $3.26B |
| Loans held for sale | $0 |
| Loans to total assets | 81.55% |
| Loan-to-deposit ratio | 108.28% |
| Net loans to equity capital | 6.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.62% |
| Multifamily (5+ residential) | 45.34% |
| Commercial and industrial | 1.62% |
| Consumer | 0.18% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 476.48% |
| Construction concentration (Tier 1 capital + allowance) | 17.68% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.24% |
| Interest income on loans | $42.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $3.24B | $2.88B | 31.90% | 1.46% | 0.06% |
| Q4 2023 | $3.21B | $2.88B | 31.73% | 1.50% | 0.06% |
| Q1 2024 | $3.21B | $2.85B | 31.51% | 1.51% | 0.05% |
| Q2 2024 | $3.22B | $2.85B | 31.54% | 1.46% | 0.05% |
| Q3 2024 | $3.19B | $3.00B | 31.68% | 1.44% | 0.05% |
| Q4 2024 | $3.19B | $3.09B | 32.21% | 1.41% | 0.06% |
| Q1 2025 | $3.18B | $3.15B | 32.66% | 1.38% | 0.05% |
| Q2 2025 | $3.19B | $3.09B | 31.95% | 1.44% | 0.19% |
| Q3 2025 | $3.24B | $3.07B | 31.86% | 1.45% | 0.18% |
| Q4 2025 | $3.26B | $3.15B | 31.42% | 1.48% | 0.21% |
| Q1 2026 | $3.28B | $3.12B | 32.19% | 1.54% | 0.21% |
| Q2 2026 | $3.29B | $3.04B | 32.62% | 1.62% | 0.18% |
Spencer Savings Bank, Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Spencer Savings Bank, Savings and Loan Association, freeSource: Call Report Schedule RC-C, 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)