Q2 2026 call report
Spencer Savings Bank, SLA
CRE above 300% of capital without meeting the three-year growth test.
Spencer Savings Bank, SLA is inside the published universe: under $100B in assets, with a loan book of at least 20% of assets, and a branch in the Northeast.
Where this bank takes deposits
Share of the bank's total deposits, all branches nationwide| County | Credit pressure | Share of this bank's deposits |
|---|---|---|
| Bergen County, NJ | E | 58.9% |
| Union County, NJ | E | 14.6% |
| Passaic County, NJ | E | 10.9% |
| Essex County, NJ | E | 7.0% |
| Morris County, NJ | E | 3.9% |
| Mercer County, NJ | n/a | 2.4% |
| Middlesex County, NJ | n/a | 2.3% |
Weights come from the 2025 Summary of Deposits and are divided by the bank's deposits in every county in the country, not only the Northeast. Where a head office reports more than five times the median of the bank's other branches, the head office figure is replaced by that median before the weight is computed.
Concentration measures exposure, not loss. This is a map of exposure, not a forecast: our published backtest found no relationship between a county's score and subsequent deterioration.
Nothing on this page is investment advice.