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Spencer Savings Bank, Savings and Loan Association

Elmwood Park, NJ · Cert 30076 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36)

SL · FDIC · 28 branches

Q2 2026

$4.0BAssets
$3.3BLoans
$3.0BDeposits
$478.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 72% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 11 of 36).
  • Widest gap: return on assets trails 81% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 29 of 36).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.63%

Rank 29 of 36

Net Interest Margin

2.66%

Rank 27 of 36

Efficiency Ratio

66.80%

Rank 20 of 35

Equity / Assets

11.86%

Rank 15 of 36

Non-interest income vs. expense

$6.9M$75.9MINCOMEEXPENSE
Unfavorable gap of $69.1M · efficiency ratio beats 46% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 66.80%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.63%0.65%1.00%1.72%Beats 19%29 / 36
Return on Equity5.35%5.35%9.30%13.56%Beats 23%27 / 35
Net Interest Margin2.66%2.66%3.13%3.63%Beats 25%27 / 36
Efficiency Ratio66.80%52.19%63.09%75.14%Beats 46%20 / 35
Asset Quality
Nonperforming Loans / Loans0.58%0.46%0.84%1.59%Beats 72%11 / 36
Net Charge-Offs / Loans0.01%n/a0.03%0.14%Beats 56%17 / 36
Capital
Tier 1 Capital Ratio16.80%13.13%14.78%18.34%Beats 58%15 / 36
Total Risk-Based Capital Ratio17.86%13.73%15.96%19.27%Beats 58%15 / 36
Equity / Assets11.86%9.80%11.58%14.82%Beats 58%15 / 36
Liquidity & Funding
Loans / Deposits108.28%81.12%95.13%103.24%78th pctl8 / 36
Loans / Assets81.55%67.44%76.31%84.79%58th pctl15 / 36
Brokered Deposits / Depositsn/aNot reported for this institution