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Spencer Savings Bank Sla

IDRSSD: 845573
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2023-Q4QoQ -5

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #845573 2023-Q4 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 110.5% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.14% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -5 ptscomposite
  • Liquidity
    ↓ -15
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -15
60
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 110.5%, cash 1.1% of assets.

Cash / Assets
1.14%
Loans / Deposits
110.50%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 110.5% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.14% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.12%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 14.75%, CET1 14.75%, leverage 10.43%.

Tier 1 RBC
14.75%
CET1
14.75%
Leverage
10.43%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.32%, Texas Ratio 2.3%, NCO YTD 0.03%.

Adjusted NPL
0.32%
Govt-guarantees stripped
Texas Ratio
2.3%
NCO YTD
0.03%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
80
Sub-score

Reserves are strong: ALLL 0.91% of loans, coverage 290.1%, true coverage 249.0%.

ALLL / Loans
0.91%
Coverage
290.1%
True Loss Coverage
249.0%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 08:37:06 UTC