Side-by-side · Q2 2026 data
Amboy Bank vs Spencer Savings Bank, SLA
Metric by metric
| Measure | Amboy Bank | Spencer Savings Bank, SLA |
|---|---|---|
| TellerScore | 80 (stronger) | 61 |
| Capital cushion | 72 (stronger) | 62 |
| Loan quality | 90 (stronger) | 81 |
| Earnings | 100 (stronger) | 45 |
| Funding & liquidity | 45 (stronger) | 23 |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 90th | 24th |
| Total assets | $3.1B | $4.0B |
| Deposits / shares | $2.7B | $3.0B |
| Capital ratio | 12.19% (stronger) | 11.23% |
| Problem loans | 0.30% (stronger) | 0.58% |
| Net charge-offs | -0.12% (stronger) | 0.02% |
| Return on assets | 2.60% (stronger) | 0.63% |
| Loans ÷ deposits | 72.8% (stronger) | 107.4% |
| Uninsured deposits | 53.2% | 41.6% (stronger) |
| Offices | 23 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.6% | 18.0% |
Amboy Bank has the higher TellerScore (80 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Amboy Bank leads on 6 and Spencer Savings Bank, SLA on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.