BlastPoint's Banking Scorecard
Spencer Savings Bank, SLA
Community
Specialty: Commercial
NJ
FDIC cert 30076
Designations: ✓ Mutual
Elmwood Park, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
Spencer Savings Bank, SLA faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 12% in Community
- - Credit Risk Growth: Bottom 20% in Community
- - Liquidity Overhang: Bottom 21% in Community
- - Liquidity Strain: Bottom 44% in Community
- - Return on Assets 0.72% below tier
- - Net Interest Margin 1.20% below tier
- - Non-Interest Income / Assets 0.57% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.0B
+0.7% YoY
+1.0% QoQ
|
+$2.6B |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$3.2B
+2.1% YoY
+0.7% QoQ
|
+$2.3B |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$3.1B
+2.0% YoY
+2.7% QoQ
|
+$2.0B |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
0.44%
+33.8% YoY
-1.0% QoQ
|
-0.72% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.46%
+19.2% YoY
+2.6% QoQ
|
-1.20% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
75.81%
-7.0% YoY
-0.7% QoQ
|
+13.18% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
0.58%
+107.2% YoY
-12.0% QoQ
|
-0.05% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
102.63%
+0.1% YoY
-1.9% QoQ
|
+19.56% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.61%
+1.0% YoY
-3.8% QoQ
|
-10.43% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
0.47%
+110.0% YoY
-12.2% QoQ
|
-0.03% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
16.68%
+4.2% YoY
+0.6% QoQ
|
+6.44% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
Top 15% in tier |
| Non-Interest Income / Assets ? |
0.17%
-13.0% YoY
+31.7% QoQ
|
-0.57% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (7)
Flatlined Growth
risk
#30 of 245 · Bottom 12% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.44%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#126 of 642 · Bottom 20% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Liquidity Overhang
risk
#56 of 268 · Bottom 21% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.68%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
102.63%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Liquidity Strain
risk
#227 of 513 · Bottom 44% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
102.63%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 10%
in Community
Why this stands out
Current:
0.44%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 5%
in Community
Why this stands out
Current:
2.46%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.17%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Total Loans
Current: $3.2B · Tier avg: $975.5M
97
97th pctile
Total Assets
Current: $4.0B · Tier avg: $1.4B
96
96th pctile
Total Deposits
Current: $3.1B · Tier avg: $1.2B
85
85th pctile
Tier 1 Capital Ratio
Current: 16.68% · Tier avg: 10.24%
41
41th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.63%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.50%
16
16th pctile
Efficiency Ratio
Current: 75.81% · Tier avg: 62.63%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.61% · Tier avg: 21.05%
10
10th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.16%
9
9th pctile
Loan-to-Deposit Ratio
Current: 102.63% · Tier avg: 83.06%
8
8th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
5
5th pctile
Net Interest Margin
Current: 2.46% · Tier avg: 3.66%
Top Weaknesses
5
5th pctile
Net Interest Margin
Current: 2.46% · Tier avg: 3.66%
8
8th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
9
9th pctile
Loan-to-Deposit Ratio
Current: 102.63% · Tier avg: 83.06%
10
10th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.16%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.61% · Tier avg: 21.05%
16
16th pctile
Efficiency Ratio
Current: 75.81% · Tier avg: 62.63%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.50%
41
41th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.63%
85
85th pctile
Tier 1 Capital Ratio
Current: 16.68% · Tier avg: 10.24%
96
96th pctile
Total Deposits
Current: $3.1B · Tier avg: $1.2B
97
97th pctile
Total Assets
Current: $4.0B · Tier avg: $1.4B
98
98th pctile
Total Loans
Current: $3.2B · Tier avg: $975.5M