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Spencer Savings Bank, Sla
Elmwood Park, NJ · FDIC Certificate #30076 · Chartered 09/1
Total assets
$4.04B
Total deposits
$3.04B
Total equity
$478.53M
Net loans
$3.26B
Branches (offices)
28
Net income (YTD)
$12.79M
Rank: #331 of 4,213 U.S. banks by assets · #10 of 49 in New Jersey. Assets changed 1.4% and deposits -1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.63% |
| Return on equity | 5.41% |
| Net interest margin (YTD) | 2.84% |
| Equity to assets | 11.86% |
| Tier 1 leverage ratio | 11.23% |
| Uninsured deposits (share of deposits) | 41.6% |
| Noncurrent loans (share of loans) | 0.58% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 107.4% |
| Real estate loans (share of loans) | 99.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.23B | 99.0% | |
| Commercial & industrial | $53.28M | 1.6% | |
| Consumer / individual | $5.89M | 0.2% | |
| Construction & development | $84.76M | 2.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.74B | $3.14B | $14.40M | $385.19M |
| Jun 2023 | $3.88B | $2.90B | $10.58M | $416.19M |
| Jun 2024 | $3.87B | $2.85B | $7.33M | $430.62M |
| Jun 2025 | $3.98B | $3.09B | $9.32M | $453.62M |
| Jun 2026 | $4.04B | $3.04B | $12.79M | $478.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Jersey | $3.04B | 28 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.04B.
Similar-sized banks
Gate City Bank ($4.04B) · West Bank ($4.03B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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