Compared with New Jersey
10 of 14
compared fees are above the median.
3 below, 1 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
14th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the New Jersey median
of 14 compared; 3 below, 1 about the same
See the feesFee schedule read Oct 10, 2026
Call-report figures are for Spencer Savings Bank, SLA at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the New Jersey median | Published fees above the New Jersey median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Spencer Savings Bank, SLA's published fee schedule; Bank Fee Index medians | Current schedule | Oct 10, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.8% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (14th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $241K in Q2 2026, 21% above the same quarter a year earlier ($200K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
10 of 14 compared published fees sit above the New Jersey median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with New Jersey medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $12, the middle of its prices
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for New Jersey, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 12% from Q3 2025 to Q2 2026, to $241K. Its share of revenue, 0.8%, is below the 2.2% median for banks with $1B to $10B in assets.
$241K
Spencer Savings Bank, SLAMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $15; we compare the midpoint.
Spencer Savings Bank, SLA · $4B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Spencer Savings Bank, SLA(this institution) | Elmwood Park, NJ | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of the Sierra | Porterville, CA | $3.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of Utah | Ogden, UT | $3.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital Bank, National Association | Rockville, MD | $3.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central Bank & Trust Co. | Lexington, KY | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Civista Bank | Sandusky, OH | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Commercial Bank of California | Irvine, CA | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cornerstone Capital Bank, SSB | Houston, TX | $3.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Bank | Hamilton, NJ | $4.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Guaranty Bank | Hammond, LA | $3.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Frandsen Bank & Trust | Lonsdale, MN | $3.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Gate City Bank | Fargo, ND | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gulf Coast Bank and Trust Company | New Orleans, LA | $3.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Independence Bank of Kentucky | Owensboro, KY | $3.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| NATIONAL COOPERATIVE BANK, N.A. | Hillsboro, OH | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Pinnacle Bank | Elberton, GA | $4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Primis Bank | Tappahannock, VA | $4.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| RCB Bank | Claremore, OK | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| River Bank & Trust | Prattville, AL | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Security Bank of Kansas City | Kansas City, KS | $3.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| State Bank of India | Chicago, IL | $4.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sunwest Bank | Sandy, UT | $4.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Bank and Trust Company | Longview, TX | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Union Savings Bank | Cincinnati, OH | $4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| West Bank | West Des Moines, IA | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Woori America Bank | New York, NY | $4.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $12, the middle of its three prices, against a peer median of $8 among 16 publishing peers.
Its three checking prices are $5, $12 and $15.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Spencer Savings Bank, SLA (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $241K | +$14K | +6.2% |
| Q1 2026 | $227K | +$22K | +10.7% |
| Q4 2025 | $205K | −$11K | −5.1% |
| Q3 2025 | $216K | +$16K | +8.0% |
| Q2 2025 | $200K | +$12K | +6.4% |
| Q1 2025 | $188K | +$7K | +3.9% |
| Q4 2024 | $181K | −$13K | −6.7% |
| Q3 2024 | $194K | −$2K | −1.0% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Spencer Savings Bank, SLA left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Spencer Savings Bank, SLA by share.
Amounts from Spencer Savings Bank, SLA’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per hour
per hour
per item
per item
per item
per month
per month
per year
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactivity Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research - Per Hour | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Statement Reconciliation - Per Hour | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Returned Check/EFT Item | $34Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Outgoing Wire | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire | $15Not compared: Monthly charge, not per item | per month | None |
| International Outgoing Wire | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official/Bank Check | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter/Temporary Check | $5Above the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Temporary Checks (3 per page) | $5Above the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Account Research Copies - Per Item | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Returned Deposited Item | $15Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| In A Statement Cycle: 10x10 | $175Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| New Jersey Consumer Checking: 5x5 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box - Key Replacement | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box - Late Payment | $10Not compared: Monthly charge, not annual | per month | None |
| Safe Deposit Box 3x10 | $70Not compared: Monthly charge, not annual | per month | None |
| Safe Deposit Box 3x5 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Drilling | $300Not compared: Box drilling or key fee | Not stated | None |
| Levy - Legal Papers Served | $150Not compared: Monthly charge, not per item | per month | None |
Retirement & IRA | |||
| IRA Trustee-to-Trustee Transfer | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa® Gift Card | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Account Research Copies - Per Item | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 10, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Spencer Savings Bank, SLA operates, and what regulators and customers have on file.
Branch footprint
28 offices in 1 state, $3.0B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 27 | $3.0B | |
| 1 | $69.0M |
New York-Newark-Jersey City, NY-NJ
0.1% of bank deposits, #48 of 151, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 34.1% |
| Goldman Sachs Bank USA | 9.6% |
| The Bank of New York Mellon | 8.8% |
| Morgan Stanley Private Bank, National Association | 7.2% |
| Bank of America, National Association | 6.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In New York-Newark-Jersey City, NY-NJ, Spencer Savings Bank, SLA holds 0.1% of bank deposits, #48 of 151, with 27 offices.
900 offices of 15 institutions shown.
Showing 900 of 4,574 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 151 institutions shown. $2.9T in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.1% share, 27 offices, #48 of 151
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
517 offices of 199 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the New Jersey Department of Banking and Insurance
The New Jersey Department of Banking and Insurance has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the New Jersey Department of Banking and Insurance, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.