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 Spencer Savings Bank, SLA
Spencer Savings Bank, SLA
| RSSD ID 845573 | CERTIFICATE 30076 | ABA NUMBER 221271951 |
| 611 River Dr |
Quarter Ended : |
2025-09-30 |
| Elmwood Park, New Jersey, 7407 |
Updated : |
2025-10-30 |
| www.spencersavings.com |
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| 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 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
28 |
Number of Employees : |
312 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 3,997,018 |
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Total Interest Income | 138,406 |
| Total Liabilities | 3,537,428 |
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Total NonInterest Income | 5,134 |
| Total Bank Equity Capital | 459,590 |
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Total Interest Expense | 71,122 |
| Total Deposits | 3,067,014 |
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Total NonInterest Expense | 55,396 |
| Net Loans & Leases | 3,208,533 |
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Net Income | 13,524 |
| Loan Loss Allowance | 27,758 |
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Net Charge Offs | 194 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 463,030 |
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Total loans | 3,195,656 |
| Total assets for the leverage ratio | 3,972,561 |
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Loans secured by real estate: | 3,143,679 |
| Tier 1 Leverage Ratio | 10.94 |
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Commercial and industrial loans | 46,182 |
| Tier 1 Capital Ratio | 16.59 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 17.67 |
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Loans to individuals - Other | 5,794 |
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:· Spencer Savings Bank, SLA
