Spencer Savings Bank, Savings and Loan Association: Return on Equity
Data as of · sourced from FFIEC call reports. How we update
Spencer Savings Bank, Savings and Loan Association reported a return on equity of 5.47% as of Q2 2026, ranking #3,159 of 3,615 U.S. banks (13th percentile). That is up 0.99 percentage points from 4.49% a year earlier, and below the 12.58% median of the 855 Large Community Banks ($1B–$10B in assets). Return on Equity (ROE) is the rate of return banks earn on common shareholders' equity, the standard equity-investor measure of bank profitability.
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What is the Return on Equity?
Return on equity (ROE) is a bank's annualized net income divided by its average shareholders' equity, expressed as a percentage. It is the return the bank earns on the capital its owners have invested.
Read ROE together with ROA and the equity-to-assets ratio. ROE equals ROA times the ratio of assets to equity, so a bank can raise ROE by holding less capital without earning more on its assets; a high ROE built on thin capital is weaker than the same ROE built on a high ROA. Subchapter S banks pay no income tax at the bank level, so their ROE runs higher than a C corporation bank with the same pretax earnings. Share buybacks shrink equity and lift ROE with no change in profit.
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What is Spencer Savings Bank, Savings and Loan Association's Return on Equity?
Spencer Savings Bank, Savings and Loan Association's Return on Equity was 5.47% as of Q2 2026, ranking #3159 of 3,615 U.S. banks.
What is the Return on Equity?
Return on equity (ROE) is a bank's annualized net income divided by its average shareholders' equity, expressed as a percentage. It is the return the bank earns on the capital its owners have invested.
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)