|
 |
|
|
 Spencer Savings Bank, SLA
Spencer Savings Bank, SLA
| RSSD ID 845573 | CERTIFICATE 30076 | ABA NUMBER 221271951 |
| 611 River Dr |
Quarter Ended : |
2025-12-31 |
| Elmwood Park, New Jersey, 7407 |
Updated : |
2026-01-30 |
| www.spencersavings.com |
|
| Institution Profile |
| Year Opened : |
1939 |
Institution Type : |
State Stock Savings and Loans |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
041 |
|
| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
28 |
Number of Employees : |
311 |
|
| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
|
Income Statement
(USD, in thousands, ytd) |
| Total Assets | 4,038,203 |
|
Total Interest Income | 185,753 |
| Total Liabilities | 3,570,230 |
|
Total NonInterest Income | 6,831 |
| Total Bank Equity Capital | 467,973 |
|
Total Interest Expense | 93,570 |
| Total Deposits | 3,149,641 |
|
Total NonInterest Expense | 75,208 |
| Net Loans & Leases | 3,232,389 |
|
Net Income | 17,865 |
| Loan Loss Allowance | 27,377 |
|
Net Charge Offs | 1,074 |
|
|
|
| Regulatory Capital |
|
Quarterly Averages
(USD, in thousands) |
| Total capital | 466,862 |
|
Total loans | 3,241,432 |
| Total assets for the leverage ratio | 4,002,038 |
|
Loans secured by real estate: | 3,186,529 |
| Tier 1 Leverage Ratio | 10.96 |
|
Commercial and industrial loans | 46,113 |
| Tier 1 Capital Ratio | 16.68 |
|
Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 17.76 |
|
Loans to individuals - Other | 6,791 |
|
|
|
|
:· Spencer Savings Bank, SLA
