Spencer Savings Bank, SLA
Elmwood Park, NJ
IDRSSD: 845573
Total Assets
$4.00B
Latest filing
Total Deposits
$3.07B
Latest filing
Net Interest Margin
2.48%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Spencer Savings Bank, SLA
611 River Dr
Elmwood Park, NJ 07407
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/19/1939FDIC Certificate 42910
Branches (27)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| Spencer Savings Bank, SLA (Main) | 611 River Dr | Elmwood Park, NJ |
| 104 PASSAIC ST BRANCH | 104 Passaic St | Garfield, NJ |
| 107 SOUTH MAIN STREET BRANCH | 107 S Main St | Lodi, NJ |
| 487 MARKET ST BRANCH | 487 Market St | Saddle Brook, NJ |
| 219 MAPLE AVE BRANCH | 219 Maple Ave | Wallington, NJ |
| 437 PIAGET AVE BRANCH | 437 Piaget Ave | Clifton, NJ |
| LYNDHURST BRANCH | 230 Ridge Rd | Lyndhurst, NJ |
| 140 MARKET STREET BRANCH | 140 Market St | Saddle Brook, NJ |
Showing 7 of 27
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | N/A |
| Primary Regulator | FDIC |
| Established Date | 09/19/1939 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 07407 |
| State and County Number | 34003 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 36 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | New York-Newark-Jersey City, NY-NJ-PA |
Operational Info
| Number of Employees | 321 |
| Domestic Offices | 28 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.spencersavings.com |
| Data Updated | 11/14/2025 |
| CERT | 30076 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $4.00B |
| Total Deposits | $3.07B |
| Total Liabilities | $3.54B |
| Total Equity Capital | $459.59M |
| Net Income | $4.21M |
| Net Loans and Leases | $3.21B |
| Assets Per Employee ($Millions) | $12.81M |
| Bank Premises and Fixed Assets | $13.43M |
| Cash and Balances due from Depository Institutions | $39.07M |
| Deposits Held in Domestic Offices | $3.07B |
Key Performance Ratios
| Return on Assets (ROA) | 0.42% |
| Return on Equity (ROE) | 3.68% |
| Net Interest Margin | 2.48% |
| Efficiency Ratio | 78.72% |
| Tier 1 Risk-Based Capital Ratio | 16.585% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.498% |
| Earning Assets to total Assets | 93.22% |
Income and Expense
| Total Interest Income | $45.91M |
| Total Noninterest Income | $1.66M |
| Total Interest Expense | $22.89M |
| Total Noninterest Expense | $19.46M |
| Net Interest Income | $23.02M |
| Pre-tax Net Operating Income | $5.92M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $396.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $74.41M |
| Total Liabilities and Capital | $4.00B |
Securities
| Securities | $494.15M |
| Available-for-sale debt securities | $456.80M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $36.39M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Spencer Savings Bank, SLA?
$4.00B as of the latest filing.
How much are Spencer Savings Bank, SLA's total deposits?
$3.07B in total deposits.
Where is Spencer Savings Bank, SLA located?
Elmwood Park, NJ.
What is the Net Interest Margin?
2.48%.
How many domestic offices does it operate?
28.
When was it established?
09/19/1939.
What is the Return on Assets (ROA)?
0.42%.
How much are total loans and leases?
$3.21B (latest filing).
What is the total interest income (latest filing)?
$45.91M.