← Back to Institutions
Spencer Savings Bank, SLA
Elmwood Park, NJ·FDIC Cert #30076·Charter: STATE·Est. 19390919.0
Total Assets
$4.0B
Q4 2025
Return on Assets
0.44%
-0.00%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
75.81%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
46
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.44%-0.00
ROE
3.94%-0.07
Efficiency
75.81%-0.53
Equity/Assets
0.00%+0.00
NPL Ratio
0.58%-0.08
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
102.63%-1.99
Charge-offs
0.03%+0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.3 | 0.4 | 0.3 | 0.3 | 0.4 | 0.5 | 0.4 | 0.4 |
| ROE | 3.0 | 3.4 | 3.1 | 3.0 | 3.9 | 4.2 | 4.0 | 3.9 |
| Efficiency | 80.3 | 79.8 | 81.1 | 81.5 | 76.0 | 75.1 | 76.3 | 75.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.2 | 0.2 | 0.3 | 0.5 | 0.7 | 0.7 | 0.6 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -0.0 | 0.0 | 0.0 |
| Loan/Deposit | 111.9 | 111.6 | 105.3 | 102.6 | 100.1 | 102.4 | 104.6 | 102.6 |
Balance Sheet
Total Assets$4.0B
Total Deposits$3.1B
Total Loans$3.2B
Total Equity$468.0M
Profitability
ROA0.44%
ROE3.94%
Efficiency Ratio75.81%
Net Income$17.9M
Risk & Asset Quality
NPL Ratio0.58%
Charge-off Rate0.03%
Loan/Deposit102.63%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans