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BDI
SS

Spencer Savings Bank, SLA

Elmwood Park, New JerseyFDIC Cert #30076

STATEEstablished 193928 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$3.45B$2.83B
Q3 2021$3.52B$2.89B
Q4 2021$4B$3.36B
Q1 2022$3.94B$3.32B
Q2 2022$3.74B$3.14B
Q3 2022$3.69B$2.99B
Q4 2022$3.81B$2.92B
Q1 2023$3.86B$2.91B
Q2 2023$3.88B$2.9B
Q3 2023$3.86B$2.88B
Q4 2023$3.86B$2.88B
Q1 2024$3.92B$2.85B
Q2 2024$3.87B$2.85B
Q3 2024$3.95B$3B
Q4 2024$4.01B$3.09B
Q1 2025$4.06B$3.15B
Q2 2025$3.98B$3.09B
Q3 2025$4B$3.07B
Q4 2025$4.04B$3.15B
Q1 2026$4.03B$3.12B

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$4.03B
−0.9%y/y
Percentile by value78th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICASSET
Deposits
$3.12B
−1.0%y/y
Percentile by value78th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICDEP
Gross loans
$3.28B
+3.1%y/y
Percentile by value81st percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSGR
Net loans
$3.25B
+3.1%y/y
Percentile by value81st percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSNET
Securities
$489M
−2.3%y/y
Percentile by value72nd percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICSC
Cash
$27.3M
−82.6%y/y
Percentile by value12th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICCHBAL
Liabilities
$3.55B
−1.8%y/y
Percentile by value78th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLIAB
Equity
$473M
+5.8%y/y
Peer standing78th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$28.1M
+22.8%y/y
Peer standing73rd percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICNIM + NONII
NII
$26.4M
+25.8%y/y
Peer standing78th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICNIM
Noninterest income
$1.64M
−11.4%y/y
Peer standing35th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICNONII
Provision
$550K
Percentile by value72nd percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICELNATR
Pretax income
$8.73M
+60.4%y/y
Peer standing72nd percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICPTAXNETINC
Net income
$6.29M
+47.3%y/y
Peer standing70th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICNETINC