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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 : |
2025-03-31 |
| Elmwood Park, New Jersey, 7407 |
Updated : |
2025-05-12 |
| 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 : |
29 |
Number of Employees : |
317 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 4,063,494 |
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Total Interest Income | 45,664 |
| Total Liabilities | 3,616,429 |
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Total NonInterest Income | 1,855 |
| Total Bank Equity Capital | 447,065 |
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Total Interest Expense | 24,663 |
| Total Deposits | 3,147,363 |
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Total NonInterest Expense | 17,415 |
| Net Loans & Leases | 3,150,403 |
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Net Income | 4,268 |
| Loan Loss Allowance | 27,937 |
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Net Charge Offs | 15 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 453,878 |
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Total loans | 3,182,407 |
| Total assets for the leverage ratio | 4,057,662 |
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Loans secured by real estate: | 3,137,108 |
| Tier 1 Leverage Ratio | 10.48 |
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Commercial and industrial loans | 43,851 |
| Tier 1 Capital Ratio | 16.31 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 17.4 |
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Loans to individuals - Other | 1,448 |
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:· Spencer Savings Bank, SLA
