Spencer Savings Bank, SLA

Bank

Reliable and friendly Northern NJ bank providing home equity loans, mortgages, business banking, an online banking in Bergen, Passaic, Union, & Morris Counties.

BankType
NJHQ

Key Contacts

Spencer Savings Bank, SLA - Main Office

FDIC Financial Overview

$4.0B

Total Assets

$2.6B

CRE Loans

64.7%

CRE Concentration

$1.5B

Multifamily

$85M

Construction

$1.0B

Commercial RE

+1%

Asset Growth (YoY)

0.4446222214346587%

ROA

3.94%

ROE

CRE / Total Assets64.7%

Above 300% CRE concentration guidance threshold

Source: FDIC Quarterly Call Reports (20251231)

Lending Programs

Visit spencersavings.com for current lending programs and rates.

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