Call reports 2026
SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION — 2026
What SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 4,025,456,000 | 4,036,255,000 |
| Total loans | 3,276,768,000 | 3,291,433,000 |
| Allowance for loan losses | 27,757,000 | 27,588,000 |
| Securities available for sale | 450,649,000 | 435,417,000 |
| Securities held to maturity | 38,287,000 | 35,286,000 |
| Trading assets | 0 | 0 |
| Total deposits | 3,115,631,000 | 3,039,745,000 |
| Interest-bearing deposits | 2,773,629,000 | 2,691,840,000 |
| Noninterest-bearing deposits | 342,002,000 | 347,905,000 |
| Equity capital | 472,910,000 | 478,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 47,592,000 | 95,917,000 |
| Interest expense | 21,176,000 | 42,497,000 |
| Net interest income | 26,416,000 | 53,420,000 |
| Noninterest income | 1,643,000 | 3,427,000 |
| Noninterest expense | 18,779,000 | 37,972,000 |
| Provision for loan losses | 550,000 | 550,000 |
| Pretax income | 8,422,000 | 17,110,000 |
| Income tax | 2,136,000 | 4,315,000 |
| Net income | 6,286,000 | 12,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 445,321,000 | 451,864,000 |
| Total capital | 473,939,000 | 480,313,000 |
| Risk-weighted assets | 2,662,402,000 | 2,689,833,000 |