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Spencer Savings Bank, SLA

$1B-$10B Specialty: Commercial NJ FDIC cert 30076

Designations: ✓ Community bank ✓ Mutual

Elmwood Park, NJ

28 branches across NJ

884 banks in the $1B-$10B peer group nationally 20 in NJ
View $1B-$10B leaderboard (NJ) →

Spencer Savings Bank, SLA has 1 strength but faces 8 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.36% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 7.1% in tier
  • - Flatlined Growth: Bottom 8.7% in tier
  • - Liquidity Overhang: Bottom 23.6% in tier
  • - Credit Quality Pressure: Bottom 25.0% in tier
  • - Non-Interest Income / Assets 0.22% below tier average
  • - ROA 0.74% below tier average
  • - Net Interest Margin 1.01% below tier average
  • - Efficiency Ratio 5.75% above tier average
Get updates when Spencer Savings Bank, SLA releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Total Assets ? $4.0B
-0.9% YoY -0.3% QoQ
+$1.2B $2.8B
-0.1% YoY
$4.1B
+2.0% YoY
$6.2B
+9.1% YoY
80%
Total Loans ? $3.2B
+3.1% YoY +0.5% QoQ
+$1.3B $2.0B
+0.6% YoY
$3.1B
+1.9% YoY
$3.2B
+10.8% YoY
83%
Total Deposits ? $3.1B
-1.0% YoY -1.1% QoQ
+$772.3M $2.3B
-0.3% YoY
$3.3B
+2.8% YoY
$4.8B
+8.2% YoY
78%
Return on Assets ? 0.62%
+47.4% YoY +40.3% QoQ
-0.74% 1.37%
+19.6% YoY
0.42%
-40.1% YoY
1.23%
+13.4% YoY
Bottom 13.3% in tier
Net Interest Margin ? 2.81%
+25.8% YoY +14.2% QoQ
-1.01% 3.82%
+6.9% YoY
3.07%
+6.4% YoY
3.89%
+5.7% YoY
Bottom 11.2% in tier
Efficiency Ratio ? 66.81%
-12.1% YoY -11.9% QoQ
+5.75% 61.06%
-4.6% YoY
81.63%
+9.7% YoY
66.95%
-4.1% YoY
30%
Delinquency Rate ? 0.53%
+8.7% YoY -9.4% QoQ
-0.36% 0.89%
+14.1% YoY
0.74%
-28.2% YoY
0.95%
+18.8% YoY
52%
Loan-to-Deposit Ratio ? 104.28%
+4.2% YoY +1.6% QoQ
+20.08% 84.20%
+0.3% YoY
82.02%
-3.5% YoY
76.70%
+0.9% YoY
Bottom 7.8% in tier
Non-Interest-Bearing Deposit Share ? 10.98%
-0.6% YoY +3.5% QoQ
-10.31% 21.29%
-2.5% YoY
16.85%
-1.4% YoY
22.01%
-1.2% YoY
Bottom 13.9% in tier
Nonperforming Asset Ratio ? 0.43%
+13.1% YoY -8.6% QoQ
-0.25% 0.67%
+15.6% YoY
0.57%
-26.7% YoY
0.67%
+19.3% YoY
50%
Tier 1 Capital Ratio ? 16.73%
+2.6% YoY +0.3% QoQ
+1.57% 15.16%
+2.0% YoY
20.47%
+20.0% YoY
17.06%
+0.8% YoY
85%
Non-Interest Income / Assets ? 0.04%
-10.6% YoY -75.9% QoQ
-0.22% 0.26%
+1.6% YoY
0.39%
-6.4% YoY
0.32%
+4.1% YoY
Bottom 7.1% in tier

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Credit Risk Growth

risk
#31 of 420 • Bottom 7.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#14 of 150 • Bottom 8.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.62%
(Tier: 1.37%, National: 1.23%)
worse than tier avg
150 of 150 Mid-Market banks match · 687 nationally
→ Stable +32 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#42 of 174 • Bottom 23.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.73%
(Tier: 15.16%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 104.28%
(Tier: 84.20%, National: 76.70%)
worse than tier avg
174 of 174 Mid-Market banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#129 of 513 • Bottom 25.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.53%
(Tier: 0.89%, National: 0.95%)
better than tier avg
513 of 513 Mid-Market banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (4 metrics)

136
Tier 1 Capital Ratio
capital
Value: 16.73%
Peer Median: 15.16%
#136 of 884 Top 15.3% in $1B-$10B
147
Total Loans
size
Value: $3.25B
Peer Median: $1.96B
#147 of 884 Top 16.5% in $1B-$10B
176
Total Assets
size
Value: $4.03B
Peer Median: $2.82B
#176 of 884 Top 19.8% in $1B-$10B
193
Total Deposits
size
Value: $3.12B
Peer Median: $2.34B
#193 of 884 Top 21.7% in $1B-$10B

Top Weaknesses (5 metrics)

822
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.26%
#822 of 884 Bottom 7.1% in $1B-$10B
816
Loan-to-Deposit Ratio
liquidity
Value: 104.28%
Peer Median: 84.20%
#816 of 884 Bottom 7.8% in $1B-$10B
786
Net Interest Margin
profitability
Value: 2.81%
Peer Median: 3.82%
#786 of 884 Bottom 11.2% in $1B-$10B
767
Return on Assets
profitability
Value: 0.62%
Peer Median: 1.37%
#767 of 884 Bottom 13.3% in $1B-$10B
762
Non-Interest-Bearing Deposit Share
funding
Value: 10.98%
Peer Median: 21.29%
#762 of 884 Bottom 13.9% in $1B-$10B
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