FDIC Cert #30076 · Elmwood Park, New Jersey · Est. 1939

Spencer Savings Bank, SLA - FDIC Bank Health Profile

A community-scale look at Spencer Savings Bank, SLA's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$4.0B
Total assets
B
Health grade · Good
0.44%
Return on assets
16.7%
Tier 1 capital

Data updated July 2026

The verdict

Spencer Savings Bank, SLA earns a PlainBankData health grade of B (71/100), with well-capitalized at 16.68% Tier 1, 0.44% ROA, 76% efficiency ratio.

#339
largest of 4,313 FDIC banks by assets
92nd
percentile by asset size, nationally
16.68%
Tier 1 ratio - above the 10% well-capitalized line
14th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 30076 · NJ B · 71/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (71/100)
  • MID-PACK #2913/4307
  • PHOTO-FINISH Reliance Savings Bank · PA
  • TIER1-WELL 16.7% Tier 1
  • TEXAS-CLEAN 3.8% Texas
  • ROA-THIN 0.44% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Jersey: Reliance Savings Bank, PA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Spencer Savings Bank, SLA

Lowest and highest poles plus nearest scored peers outside New Jersey, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Penn Community Bank · PA · n…71/100Peoples Bank · TX · near71/100Priority Bank · AR · near71/100Reliance Savings Bank · PA ·…71/100Spencer Savings Bank… · NJ ·…71/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Spencer Savings Bank, SLA · July 2026

What Spencer Savings Bank, SLA's Call Report plate shows

Spencer Savings Bank, SLA (FDIC Cert #30076) carries a PlainBankData health grade of B at 71/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,913 of 4,307. Tier 1 capital prints at 16.68%, clearing the 10% well-capitalized line. The Texas Ratio is 3.80%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.44%. Balance-sheet scale is $4.0B, 339th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Reliance Savings Bank (PA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Spencer Savings Bank, SLA

8 FAILURE resolutions in New Jersey since 2000 (7 since 2008)

Spencer Savings Bank, SLA's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Spencer Savings Bank, SLA remains an active FDIC-insured reporter.

  • CITY NATIONAL BANK OF NEW JERSEY NEWARK, NJ 2019 → INDUSTRIAL BANK
  • HARVEST COMMUNITY BANK PENNSVILLE, NJ 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FORT LEE FEDERAL SAVINGS BANK, FSB FORT LEE, NJ 2012 → ALMA BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Jersey banks.

How Spencer Savings Bank, SLA's 71/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10071/100
Spencer Savings Bank, SLA's composite health score
Tier 1 Capital Ratio (16.68%) 40/40
Return on Assets (ROA) (0.44%) 7/25
Texas Ratio (3.80%) 20/20
Efficiency Ratio (75.81%) 4/15

71 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$4.0B

Total balance-sheet footings

Total Deposits

$3.1B

Customer-funded liabilities

Net Loans

$3.2B

Outstanding loan book

Net Income

$18M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.28% 16.68% 18.08%
Basel III capital ratios - Spencer Savings Bank, SLA

Where Spencer Savings Bank, SLA ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Spencer Savings Bank, SLA's score of 71/100 falls in the highlighted band.

Spencer Savings Bank, SLA: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

71 32nd percentile higher than 32% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Spencer Savings Bank, SLA 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Spencer Savings Bank, SLA's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Spencer Savings Bank, SLA's $4.0B falls in the highlighted band.

Safety ratios for Spencer Savings Bank, SLA

Tier 1 capital ratio
Well-capitalized 10%

16.68% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.68%
Texas Ratio
3.80%
Equity Capital
$468M

What these ratios mean →

Profitability metrics: Spencer Savings Bank, SLA

Return on Assets (ROA)
14th percentile nationally
0.44%
Return on Equity (ROE)
3.94%
Efficiency Ratio
75.81%

What these mean →

Income & expense at Spencer Savings Bank, SLA

$186M
Interest Income
$7M
Non-Interest Income
$75M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Spencer Savings Bank, SLA reports a Texas Ratio of 3.80% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.80% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Spencer Savings Bank, SLA on FDIC BankFind →

Top banks in New Jersey by total assets

Largest banks headquartered in New Jersey
  1. 1
    Valley National Bank $64.1B

    Passaic, NJ · Grade B

  2. 2
    Provident Bank $24.9B

    Jersey City, NJ · Grade A

  3. 3
    OceanFirst Bank $14.5B

    Toms River, NJ · Grade B

  4. 4
    ConnectOne Bank $14.0B

    Englewood Cliffs, NJ · Grade A

  5. 5
    Columbia Bank $11.0B

    Fair Lawn, NJ · Grade B

Top 5 banks in New Jersey ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($4.0B here), outside New Jersey so the neighborhood is not state containment.

Union Savings Bank $4.0B · OH California Bank of Commerce $4.0B · CA Primis Bank $4.0B · VA RCB Bank $4.1B · OK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Spencer Savings Bank, SLA (FDIC Cert #30076) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Spencer Savings Bank, SLA Call Report profile · FDIC Failed Bank List · New Jersey FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Jersey

All New Jersey banks →
BankAssetsGradeROA
Valley National BankPassaic $64.1B B 0.99%
Provident BankJersey City $24.9B A 1.28%
OceanFirst Bank, National AssociationToms River $14.5B B 0.61%
ConnectOne BankEnglewood Cliffs $14.0B A 0.77%
Columbia BankFair Lawn $11.0B B 0.48%
Cross River BankFort Lee $8.1B C 0.29%
Kearny BankKearny $7.6B C 0.43%
Peapack Private Bank & TrustBedminster $7.5B C 0.57%