SPENCER SAVINGS BANK SLA
ELMWOOD PARK, NEW JERSEY · FDIC Cert #30076
Capital & Safety Analysis
According to FDIC financial data, SPENCER SAVINGS BANK SLA holds a Tier 1 capital ratio of 15.04%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning SPENCER SAVINGS BANK SLA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
SPENCER SAVINGS BANK SLA shows strong financial health indicators. With $3.9B in assets and a Health Score of 73/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
SPENCER SAVINGS BANK SLA has a Bank Health Score of B (73/100). It holds a Tier 1 capital ratio of 15.04%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
SPENCER SAVINGS BANK SLA holds $3.9B in total assets and $2.9B in total deposits. It is located in ELMWOOD PARK, NEW JERSEY (FDIC Certificate #30076).
SPENCER SAVINGS BANK SLA has a Tier 1 capital ratio of 15.04%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.24%, and the return on assets is 0.43%.
Yes. SPENCER SAVINGS BANK SLA is FDIC-insured (Certificate #30076). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.