Spencer Savings Bank, SLA
Total assets
$4.04B
▲ +1.4% YoY
Deposits
$3.04B
▼ -1.5% YoY
Loans
$3.26B
▲ +3.3% YoY
Offices
28
ROA (annualized)
0.63%
peers 1.26%
ROE (annualized)
5.41%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +5.5% | -4.1 pts |
| Deposit growth (YoY) | -1.5% | +5.1% | -6.5 pts |
| Loan growth (YoY) | +3.3% | +5.9% | -2.6 pts |
| ROA | 0.63% | 1.26% | -0.6 pts |
| ROE | 5.4% | 12.2% | -6.8 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
Profile
- Established
- 1939
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 611 River Dr, Elmwood Park, NJ, 07407
- County
- Bergen
- Metro area
- New York-Newark-Jersey City, NY-NJ-PA
- Offices
- 28
- FDIC cert #
- 30076
- RSSD ID
- 845573
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.04B | $3.04B | $3.26B | $478.5M | $12.8M | 0.63% | 2.84% | 0.47% |
| Q1 2026 | $4.03B | $3.12B | $3.25B | $472.9M | $6.3M | 0.62% | 2.81% | 0.43% |
| Q4 2025 | $4.04B | $3.15B | $3.23B | $468.0M | $17.9M | 0.44% | 2.46% | 0.47% |
| Q3 2025 | $4.00B | $3.07B | $3.21B | $459.6M | $13.5M | 0.45% | 2.40% | 0.53% |
| Q2 2025 | $3.98B | $3.09B | $3.16B | $453.6M | $9.3M | 0.46% | 2.37% | 0.53% |
| Q1 2025 | $4.06B | $3.15B | $3.15B | $447.1M | $4.3M | 0.42% | 2.23% | 0.38% |
| Q4 2024 | $4.01B | $3.09B | $3.17B | $438.8M | $13.0M | 0.33% | 2.07% | 0.22% |
| Q3 2024 | $3.95B | $3.00B | $3.16B | $436.4M | $9.9M | 0.34% | 2.06% | 0.17% |
Loan mix (Q2 2026): real estate $3.23B · commercial $53.3M · consumer $5.9M · securities $471.2M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.26% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 12.2% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.84% | 3.70% | 10th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.7% | 59.0% | 72th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- First BankHamilton, NJ · $4.09B
- Sumitomo Mitsui Trust Bank (U.S.A.) LimitedHoboken, NJ · $3.92B
- Gate City BankFargo, ND · $4.04B
- West BankWest Des Moines, IA · $4.03B
- California Bank of Commerce, National AssociationSan Diego, CA · $4.02B
- Union Savings BankCincinnati, OH · $4.02B
Selling to Spencer Savings Bank, SLA?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.