Spencer Savings Bank, Savings and Loan Association: Uninsured Deposit Ratio
Data as of · sourced from FFIEC call reports. How we update
Spencer Savings Bank, Savings and Loan Association reported an uninsured deposit ratio of 41.60% as of Q2 2026, ranking #245 of 980 U.S. banks (75th percentile). That is up 1.19 percentage points from 40.41% a year earlier, and above the 30.89% median of the 815 Large Community Banks ($1B–$10B in assets). Uninsured deposits (those above the $250K FDIC insurance threshold) have economic incentive to flee at the first sign of trouble. The risk Silicon Valley Bank's failure brought to national attention.
12-Quarter Trend
National Context
What is the Uninsured Deposit Ratio?
The Uninsured Deposit Ratio measures deposits above the $250K FDIC insurance threshold as a percentage of total deposits. Made infamous by the Silicon Valley Bank failure in 2023, it captures deposit base run-risk.
Most US community banks report uninsured deposit ratios between 20% and 50%. Above 60% warrants attention. The bank is exposed to run-risk in a crisis scenario. SVB at failure reported uninsured deposits over 90% of total.
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What is Spencer Savings Bank, Savings and Loan Association's Uninsured Deposit Ratio?
Spencer Savings Bank, Savings and Loan Association's Uninsured Deposit Ratio was 41.60% as of Q2 2026, ranking #245 of 980 U.S. banks.
What is the Uninsured Deposit Ratio?
The Uninsured Deposit Ratio measures deposits above the $250K FDIC insurance threshold as a percentage of total deposits. Made infamous by the Silicon Valley Bank failure in 2023, it captures deposit base run-risk.
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)