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SPENCER SAVINGS BANK

SPENCER, MA · Supervised by FDIC

Est. 1871FDIC #90,282RSSD: FDIC-90282
Satisfactory

Current rating · Exam: October 2014

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Institution Profile

FDIC BankFind

Address

176 Main St, SPENCER, MA

County

Worcester County

Established

April 5, 1871

Total Assets

$2.4B(latest call report)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.4B

Total Deposits

$1.9B

Net Loans

$1.9B

Net Income

$4M

ROA

0.77%

ROE

8.34%

Risk-Based Capital

13.00%

Total Assets — Last 8 Quarters

Total AssetsROA

Current Examination

CRA / FFIEC

Overall Rating

Satisfactory

Exam Date

October 1, 2014

Exam Type

Intermediate Small Bank

Regulator

FDIC

Rating History

CRA / FFIEC

7 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance
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