Spencer Savings Bank, Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Spencer Savings Bank, Savings and Loan Association of Elmwood Park, NJ against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.64% | 1.46% | -0.82% | 13th bottom |
| ROAE | 5.47% | 12.73% | -7.26% | 12th bottom |
| Net Interest Margin | 2.82% | 3.85% | -1.03% | 9th bottom |
| Efficiency Ratio | 66.35% | 57.39% | +8.96% | 27th below |
| PPNR / Avg Assets | 0.95% | 1.88% | -0.93% | 14th bottom |
| Yield on Earning Assets | 5.04% | 5.72% | -0.68% | 22nd bottom |
| Cost of Funds | 2.71% | 2.01% | +0.70% | 14th bottom |
| Net Interest Spread | 2.32% | 3.18% | -0.86% | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.61% | 1.00% | -0.39% | 50th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.50% | 0.76% | -0.26% | 49th below |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 54th above |
| ACL / Total Loans | 0.84% | 1.31% | -0.47% | 15th bottom |
| ACL / NPLs (Coverage) | 137.02% | 544.00% | -406.98% | 41st below |
| Texas Ratio | 4.26% | 7.39% | -3.13% | 54th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 162.72% | 619.45% | -456.73% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.80% | 17.34% | -0.54% | 82nd top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.80% | 17.37% | -0.57% | 82nd top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.86% | 18.42% | -0.56% | 82nd top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.23% | 11.44% | -0.21% | 65th above |
| Equity / Assets | 11.86% | 11.33% | +0.53% | 74th above |
| TCE / Tangible Assets | 11.11% | 10.50% | +0.61% | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 108.28% | 86.92% | +21.36% | 6th bottom |
| Core Deposit Ratio | 90.89% | 85.55% | +5.34% | 62nd above |
| Uninsured Deposit Ratio | 41.60% | 33.11% | +8.49% | 22nd bottom |
| Wholesale Funding Ratio | 10.93% | 5.69% | +5.24% | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.35% | 9.69% | -8.34% | 24th bottom |
| Loan Growth (Y/Y) | 3.30% | 8.06% | -4.76% | 37th below |
| Deposit Growth (Y/Y) | -1.47% | 7.88% | -9.35% | 12th bottom |
See Spencer Savings Bank, Savings and Loan Association's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Spencer Savings Bank, Savings and Loan Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Spencer Savings Bank, Savings and Loan Association profile, how to read a UBPR, or how this data updates.