Spencer Savings Bank, Savings and Loan Association

Elmwood Park, NJ

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
Income

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Weiss Ratings	Spencer Savings Bank, Savings and Loan Association Elmwood Park, NJ	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	6.20
Capitalization Index	9.60
Liquidity Index	1.70
Profitability Index	2.80
Stability Index	8.10

Company Info	Spencer Savings Bank, Savings and Loan Association Elmwood Park, NJ	Click to Compare	Click to Compare	Click to Compare
FDIC Number	30076
Phone Number	(201) 703-3800
Website	www.spencersavings.com

Asset Quality	Spencer Savings Bank, Savings and Loan Association Elmwood Park, NJ	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	2.90%
5-Year Asset Growth	6.36%
5-Year Charge-Offs to Average Loans	0.02%
Charge-Offs to Average Loans	0.00%
Non-Performing Assets to Assets	0.56%
Non-Performing Loans to Capital	4.74%
Non-Performing Loans to Loans	0.70%

Balance Sheet	Spencer Savings Bank, Savings and Loan Association Elmwood Park, NJ	Click to Compare	Click to Compare	Click to Compare
Total Assets	3.98B
Total Deposits	3.09B

Capital and Reserves	Spencer Savings Bank, Savings and Loan Association Elmwood Park, NJ	Click to Compare	Click to Compare	Click to Compare
Capital	453.62M
Leverage Ratio	10.76
Loan Loss Reserves to Loans	0.88%
Risk-Based Capital Ratio	17.62

Liquidity	Spencer Savings Bank, Savings and Loan Association Elmwood Park, NJ	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	24.00%
Liquidity Ratio	16.13%

Profitability	Spencer Savings Bank, Savings and Loan Association Elmwood Park, NJ	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.54%
Net Income	9.32M
Net Interest Spread	2.31%
Operating Profit to Average Assets	0.60%
Overhead Efficiency Ratio	75.27%
Return on Assets	0.46%
Return on Equity	4.17%