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Spencer Savings Bank, SLA


Spencer Savings Bank, SLA is an FDIC insured institution headquartered at 611 River Dr, Elmwood Park, NJ 07407.
It was founded in 1939 and has approximately $4 billion in assets. Customers can open an account at one of its 22 branches.

Deposit Rates - April 26, 2026

SAVINGS RATES APY MIN
SAV
1.50% $50,000 Compare
CD RATES APY MIN
6 Mo CD
0.15% $1,000 Compare
12 Mo CD
3.50% $1,000 Compare
13 Mo CD
0.20% $1,000 Compare
18 Mo CD
0.35% $1,000 Compare
24 Mo CD
0.45% $1,000 Compare
30 Mo CD
0.50% $1,000 Compare
36 Mo CD
0.55% $1,000 Compare
48 Mo CD
0.50% $1,000 Compare
60 Mo CD
0.55% $1,000 Compare
PREMM RATES APY MIN
Premium Money Market
3.25% $10,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.30% $35,000




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 30076
Date Established 1939
Assets $ 4.04 billion
Loans $ 3.23 billion
Deposits $ 3.15 billion
Capital $ 467.97 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 56.24 million
Interest-bearing balances $ 38.35 million
Total securities $ 494.40 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 3.23 billion
Loan loss allowance $ 27.38 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 33.78 million
All other assets $ 167.78 million
     Total Assets $ 3.57 billion

LIABILITIES
Total deposits $ 3.15 billion
      Interest-bearing deposits $ 2.82 billion
      Deposits held in domestic offices $ 3.15 billion
      % insured (estimated)" 57.40%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 168.55 million
Subordinated debt N.A.
All other liabilities $ 51.60 millionn
      Total Liabilities $ 3.57 billion
      Shareholders’ Equity $ 467.97 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 185.75 million
Total Interest Expense $ 93.57 million
Net interest income $ 92.18 million
Provision for loan and lease losses $ 0.71 million
Total non interest income $ 6.83 million
Total non interest expense $ 75.21 million
Pre-tax Net Operating Income $ 20.85 million

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