🏦Bank Scorer

SPENCER SAVINGS BANK

SPENCER, MA · Supervised by FDIC

Est. 1871FDIC #90,282RSSD: FDIC-90282
Part ofPEOPLESBANCORP MHC→ View all charters
Satisfactory Same

Current rating · Exam: October 2014

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.77%

Institution Profile

FDIC BankFind

Address

176 Main St, SPENCER, MA

County

Worcester County

Established

April 5, 1871

Total Assets

$2.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2014

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 11 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

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%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

12

Branch Deposits

$1.3B

1-Year Change

+1

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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