Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

SPENCER SAVINGS BANK SLA

FDIC #30076 · NJ · period 20260630

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Total assets2,572,352-1.14% YoY

Total deposits1,821,331-1.40% YoY

Net loans and leases1,846,929-2.10% YoY

Return on assets0.60%-3.45% YoY

Return on equity5.39%+0.00% YoY

Net interest margin2.63%-5.04% YoY

Peer position

Return on assets12thopportunity · n=902

Return on equity10thopportunity · n=894

Net interest margin11thopportunity · n=902

Equity to assets74thstrength · n=894

Noncurrent loans46thin line · n=887

Liquid assets14thopportunity · n=895

Brokered deposits100thstrength · n=890

Loans to deposits6thopportunity · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	2,572,352	1,821,331	1,846,929	0.60	5.39	2.63
2016-06-30	2,555,822	1,809,004	1,839,255	0.62	5.50	2.69
2016-09-30	2,585,204	1,834,161	1,847,120	0.60	5.37	2.69
2016-12-31	2,609,703	1,831,466	1,895,061	0.52	4.62	2.68
2017-03-31	2,601,979	1,847,198	1,886,464	0.62	5.39	2.77
2017-06-30	2,626,222	1,881,975	1,886,698	0.63	5.48	2.78
2017-09-30	2,688,571	1,936,172	1,961,600	0.58	5.00	2.73
2017-12-31	2,722,998	1,959,761	2,001,585	0.22	1.94	2.74
2018-03-31	2,778,550	2,029,034	2,045,174	0.55	4.97	2.77
2018-06-30	2,829,316	2,033,612	2,093,111	0.57	5.12	2.75
2018-09-30	2,827,131	2,069,220	2,098,124	0.59	5.33	2.76
2018-12-31	2,947,705	2,066,487	2,224,019	0.53	4.83	2.77
2019-03-31	2,977,099	2,119,088	2,251,653	0.55	4.96	2.65
2019-06-30	3,038,364	2,112,420	2,327,903	0.54	4.88	2.63
2019-09-30	3,034,133	2,163,554	2,335,672	0.55	4.96	2.62
2019-12-31	3,041,795	2,186,939	2,376,570	0.56	5.06	2.64
2020-03-31	3,036,271	2,202,343	2,352,188	0.53	4.69	2.58
2020-06-30	3,216,436	2,341,581	2,390,645	0.50	4.51	2.60
2020-09-30	3,219,473	2,444,723	2,363,150	0.38	3.43	2.51
2020-12-31	3,271,850	2,539,609	2,444,736	0.38	3.48	2.51
2021-03-31	3,371,304	2,638,856	2,484,703	0.58	5.42	2.58
2021-06-30	3,453,337	2,834,740	2,582,997	0.62	5.78	2.60
2021-09-30	3,516,053	2,889,586	2,694,996	0.66	6.19	2.63
2021-12-31	3,995,394	3,362,182	2,938,469	0.72	6.86	2.70
2022-03-31	3,936,365	3,321,649	2,945,124	0.69	7.06	2.85
2022-06-30	3,744,415	3,139,078	2,958,543	0.74	7.47	3.02
2022-09-30	3,694,232	2,989,390	3,010,803	0.86	8.57	3.22
2022-12-31	3,812,457	2,924,702	3,125,688	0.80	7.89	3.19
2023-03-31	3,856,078	2,911,145	3,177,937	0.68	6.42	2.58
2023-06-30	3,883,118	2,896,318	3,228,229	0.55	5.16	2.47
2023-09-30	3,859,509	2,876,490	3,208,330	0.51	4.74	2.41
2023-12-31	3,860,319	2,881,878	3,184,386	0.45	4.20	2.33
2024-03-31	3,923,872	2,846,480	3,185,790	0.33	3.01	2.05
2024-06-30	3,870,213	2,854,962	3,186,756	0.38	3.43	2.05
2024-09-30	3,950,553	2,998,509	3,158,751	0.34	3.08	2.06
2024-12-31	4,009,043	3,086,515	3,165,815	0.33	3.02	2.07
2025-03-31	4,063,494	3,147,363	3,150,403	0.42	3.85	2.23
2025-06-30	3,982,331	3,085,118	3,158,342	0.46	4.17	2.37
2025-09-30	3,997,018	3,067,014	3,208,533	0.45	4.01	2.40
2025-12-31	4,038,203	3,149,641	3,232,389	0.44	3.94	2.46
2026-03-31	4,025,456	3,115,631	3,249,011	0.62	5.34	2.81
2026-06-30	4,036,255	3,039,745	3,263,846	0.63	5.41	2.84

Structure and branch footprint

28 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2021-11-18	1	3010000	845573
2018-03-27	1	958473	845573
1988-03-01	1	297275	845573

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.