Spencer Savings Bank, Savings and Loan Association: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Spencer Savings Bank, Savings and Loan Association is a community bank chartered in 1939, based in Elmwood Park, NJ. Total assets stand at $4.0B. Profitability runs below industry average: 0.64% ROA, 5.47% ROE, with NIM at 2.82%. Capital is comfortably above regulatory requirements, CET1 ratio of 16.80% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are in line with industry norms, 0.61% NPL ratio. Spencer Savings Bank, Savings and Loan Association operates a 28-branch network.
As of June 30, 2026, Spencer Savings Bank, Savings and Loan Association reported a CET1 capital ratio of 16.80%, a return on assets of 0.64%, a nonperforming-loan ratio of 0.61%, a Texas ratio of 4.26%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 611 River Dr, Elmwood Park, NJ 07407
- County
- Bergen
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- September 19, 1939
- Former names
- Spencer Savings Bank, SLA (1988)
- Offices
- 28 domestic
- Employees (FTE)
- 328
- Domestic deposits
- $3.04B
- Allowance for credit losses
- $27.6M
- Net charge-offs (YTD)
- $338K
- Average total assets
- $4.06B
- Average total loans
- $3.28B
- Average interest-bearing deposits
- $2.40B
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30076
- Fed RSSD
- 845573
- Website
- www.spencersavings.com →
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Spencer Savings Bank, Savings and Loan Association terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Spencer Savings Bank, Savings and Loan Association, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Spencer Savings Bank, Savings and Loan Association rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.80% | 0.64% | 0.61% | 4.26% | 2.82% |
| Q1 2026 | 16.73% | 0.62% | 0.56% | 3.93% | 2.77% |
| Q4 2025 | 16.68% | 0.43% | 0.62% | 4.35% | 2.60% |
| Q3 2025 | 16.59% | 0.42% | 0.70% | 4.97% | 2.43% |
| Q2 2025 | 16.52% | 0.50% | 0.70% | 5.00% | 2.44% |
| Q1 2025 | 16.31% | 0.42% | 0.52% | 3.77% | 2.17% |
| Q4 2024 | 16.01% | 0.31% | 0.33% | 2.42% | 2.03% |
| Q3 2024 | 15.41% | 0.26% | 0.27% | 2.01% | 2.03% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 28 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Outwater Ln Branch | Garfield , NJ | 07026 | $441.9M |
| Elmwood Park Branch | Elmwood Park , NJ | 07407 | $200.2M |
| 219 Maple Ave Branch | Wallington , NJ | 07057 | $192.4M |
| Union Financial Center Branch Office | Union , NJ | 07083 | $162.2M |
| 140 Market Street Branch | Saddle Brook , NJ | 07663 | $155.7M |
| Nutley Branch | Nutley , NJ | 07110 | $144.8M |
| 107 South Main Street Branch | Lodi , NJ | 07644 | $129.4M |
| 437 Piaget Ave Branch | Clifton , NJ | 07011 | $121.4M |
| 487 Market St Branch | Saddle Brook , NJ | 07663 | $112.4M |
| Cranford Branch | Cranford , NJ | 07016 | $112.1M |
| Parsippany Branch | Parsippany , NJ | 07054 | $111.9M |
| Town Centre Branch | Cliffside Park , NJ | 07010 | $110.7M |
| Van Houten Ave Branch | Clifton , NJ | 07013 | $108.4M |
| 618 Bayway Ave Branch | Elizabeth , NJ | 07202 | $103.6M |
| Hamburg Turnpike Branch | Wayne , NJ | 07470 | $101.3M |
| Wood Ridge Branch | Wood Ridge , NJ | 07075 | $80.8M |
| West Caldwell Financial Center Branch | West Caldwell , NJ | 07006 | $78.2M |
| Ewing Branch | Ewing , NJ | 08638 | $69.0M |
| Westfield Branch | Westfield , NJ | 07090 | $67.2M |
| Paramus Branch | Paramus , NJ | 07652 | $64.2M |
| Lyndhurst Branch | Lyndhurst , NJ | 07071 | $63.2M |
| Hackensack Branch | Hackensack , NJ | 07601 | $61.4M |
| Edison Financial Center Branch | Edison , NJ | 08820 | $58.5M |
| 104 Passaic St Branch | Garfield , NJ | 07026 | $51.3M |
| Dumont Branch | Dumont , NJ | 07628 | $50.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 18, 2021 | Structure Change | Acquired Mariner's Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 17, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 27, 2018 | Structure Change | Acquired Wawel Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 26, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 1988 | Structure Change | Acquired Elmora Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for Spencer Savings Bank, Savings and Loan Association, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC (former OTS)); 4 against individuals associated with it
- November 28, 2001, OCC (former OTS): Supervisory Agreement: Spencer SB, SLA
- April 16, 1992, OCC (former OTS): Supervisory Agreement: Spencer Savings Bank, SLA
- Period: Most recent institution action November 28, 2001. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in NJ, rank 23 of 104 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 330 applications, 207 loans originated, $249.9M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Spencer Savings Bank, Savings and Loan Association
What are Spencer Savings Bank, Savings and Loan Association's total assets?
As of the Q2 2026 filing, Spencer Savings Bank, Savings and Loan Association reported total assets of $4.04 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Spencer Savings Bank, Savings and Loan Association headquartered?
Spencer Savings Bank, Savings and Loan Association is headquartered in Elmwood Park, NJ, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Spencer Savings Bank, Savings and Loan Association founded?
Spencer Savings Bank, Savings and Loan Association was established in 1939, per the FDIC institution directory.
Is Spencer Savings Bank, Savings and Loan Association FDIC-insured?
Yes. Spencer Savings Bank, Savings and Loan Association is an FDIC-insured commercial bank (FDIC Certificate #30076). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Spencer Savings Bank, Savings and Loan Association?
Spencer Savings Bank, Savings and Loan Association's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Spencer Savings Bank, Savings and Loan Association's CET1 capital ratio?
Spencer Savings Bank, Savings and Loan Association reported a Common Equity Tier 1 (CET1) capital ratio of 16.80% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Spencer Savings Bank, Savings and Loan Association operate?
Spencer Savings Bank, Savings and Loan Association operates 28 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Spencer Savings Bank, Savings and Loan Association's Texas Ratio?
Spencer Savings Bank, Savings and Loan Association's Texas Ratio is 4.26% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Spencer Savings Bank, Savings and Loan Association previously called?
The charter now named Spencer Savings Bank, Savings and Loan Association has also operated as Spencer Savings Bank, SLA (1988), per FDIC structure-change records.
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