Spencer Savings Bank, SLA quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.0B | $3.1B | $3.2B | $473M | $6M | 0.62% | 5.34% | 2.81% | 0.52% |
| Q4 2025 | $4.0B | $3.1B | $3.2B | $468M | $4M | 0.44% | 3.94% | 2.46% | 0.58% |
| Q3 2025 | $4.0B | $3.1B | $3.2B | $460M | $4M | 0.45% | 4.01% | 2.40% | 0.66% |
| Q2 2025 | $4.0B | $3.1B | $3.2B | $454M | $5M | 0.46% | 4.17% | 2.37% | 0.66% |
| Q1 2025 | $4.1B | $3.1B | $3.2B | $447M | $4M | 0.42% | 3.85% | 2.23% | 0.48% |
| Q4 2024 | $4.0B | $3.1B | $3.2B | $439M | $3M | 0.33% | 3.02% | 2.07% | 0.28% |
| Q3 2024 | $4.0B | $3.0B | $3.2B | $436M | $3M | 0.34% | 3.08% | 2.06% | 0.22% |
| Q2 2024 | $3.9B | $2.9B | $3.2B | $431M | $4M | 0.38% | 3.43% | 2.05% | 0.24% |
| Q1 2024 | $3.9B | $2.8B | $3.2B | $427M | $3M | 0.33% | 3.01% | 2.05% | 0.35% |
| Q4 2023 | $3.9B | $2.9B | $3.2B | $424M | $3M | 0.45% | 4.20% | 2.33% | 0.31% |
| Q3 2023 | $3.9B | $2.9B | $3.2B | $415M | $4M | 0.51% | 4.74% | 2.41% | 0.31% |
| Q2 2023 | $3.9B | $2.9B | $3.2B | $416M | $4M | 0.55% | 5.16% | 2.47% | 0.31% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.