Spencer Savings Bank Sla (FDIC #30076): Bank Stress & Real-Estate Credit Exposure
Spencer Savings Bank Sla (FDIC Cert #30076): bank stress 71/100, elevated, STABLE over 7 days.
Spencer Savings Bank Sla (#30076) lends in 7 counties across 1 state; Spencer Savings Bank Sla (#30076) reaches 273 ZIP codes: New Jersey 7 counties, 273 ZIPs.
Spencer Savings Bank Sla (#30076) largest markets: Bergen County, NJ (1,056 branches, 66 ZIPs) (#30076), Morris County, NJ (58 branches, 58 ZIPs) (#30076), Middlesex County, NJ (44 branches, 44 ZIPs) (#30076), Passaic County, NJ (99 branches, 33 ZIPs) (#30076), Essex County, NJ (62 branches, 31 ZIPs) (#30076), Union County, NJ (108 branches, 27 ZIPs) (#30076).
Spencer Savings Bank Sla (#30076) reports $4.04 billion in total assets; Spencer Savings Bank Sla (#30076) equity $478.5 million (11.9% of Spencer Savings Bank Sla (#30076) assets); Spencer Savings Bank Sla (#30076) domestic deposits $3.04 billion; Spencer Savings Bank Sla (#30076) net income $12.8 million; Spencer Savings Bank Sla (#30076) return on assets 0.63%; Spencer Savings Bank Sla (#30076) return on equity 5.41%; Spencer Savings Bank Sla (#30076) net interest income $53.4 million; Spencer Savings Bank Sla (#30076) call report June 30, 2026.
Spencer Savings Bank Sla (#30076) noncurrent real-estate loans 0.01% of its book; Spencer Savings Bank Sla (#30076) residential 0.02%; Spencer Savings Bank Sla (#30076) net charge-offs on real estate 0.55%; Spencer Savings Bank Sla (#30076) multifamily charge-offs 0.78%; Spencer Savings Bank Sla (#30076) residential charge-offs 0.26%.
Spencer Savings Bank Sla (#30076) net interest margin 2.84% against an eight-quarter Spencer Savings Bank Sla (#30076) average of 2.41% (Spencer Savings Bank Sla (#30076) compression -0.44 points); Spencer Savings Bank Sla (#30076) real-estate loans 0.6% of equity; Spencer Savings Bank Sla (#30076) non-residential real estate 26.4% of equity; Spencer Savings Bank Sla (#30076) rate-exposure score 40/100, Spencer Savings Bank Sla (#30076) fixed-rate trap 40/100; Spencer Savings Bank Sla (#30076) risk type credit driven; Spencer Savings Bank Sla (#30076) rate regime rates elevated, Spencer Savings Bank Sla (#30076) snapshot October 20, 2026.
Spencer Savings Bank Sla (#30076) stress score moved from 70.2 on June 22, 2026 to 71.3 on October 20, 2026; Spencer Savings Bank Sla (#30076) ranged 70.2 to 71.3 over 117 snapshots.
Spencer Savings Bank Sla (#30076) alerts: 7 counties; top Spencer Savings Bank Sla (#30076) alert scores: Edison County, NJ 24 (low); Nutley County, NJ 24 (low); Parsippany County, NJ 24 (low); Trenton County, NJ 24 (low); Wayne County, NJ 24 (low).