Spencer Savings Bank, SLA

Spencer Savings Bank, SLA of Elmwood Park, NJ, chartered 1939: 28 offices, $4.04bn in assets, a 11.23% leverage ratio. Straight from the federal record.

Spencer Savings Bank, SLA is an FDIC-insured community bank headquartered in Elmwood Park, NJ, chartered in 1939. It is supervised by the FDIC. Every figure below is filed by the bank with its regulator and reproduced here unchanged.

Where Spencer Savings Bank, SLA has branches

28 full-service offices across 1 state:

• New Jersey: 28 offices in 24 towns, holding $3.09bn at 30 June 2025

Spencer Savings Bank, SLA on its latest Call Report, 30 June 2026

• Total assets: $4.04bn
• Total deposits: $3.04bn
• Tier 1 leverage ratio: 11.23%
• Total risk-based capital ratio: 17.86%
• Noncurrent loans, as a share of loans: 0.58%
• Return on assets: 0.63%
• Net interest margin: 2.84%
• Staff: 328

Compare Spencer Savings Bank, SLA against every other bank with a branch in New Jersey, or find the offices nearest you.

Charter and office records from the FDIC BankFind Suite; capital, loan and earnings figures from the bank's own Call Report; deposits by office from the FDIC Summary of Deposits, counted each 30 June.