Side-by-side · Q2 2026 data
Kearny Bank vs Spencer Savings Bank, SLA
Metric by metric
| Measure | Kearny Bank | Spencer Savings Bank, SLA |
|---|---|---|
| TellerScore | 51 | 61 (stronger) |
| Capital cushion | 38 | 62 (stronger) |
| Loan quality | 73 | 81 (stronger) |
| Earnings | 38 | 45 (stronger) |
| Funding & liquidity | 32 (stronger) | 23 |
| Problem-loan coverage | 86 | 93 (stronger) |
| Peer percentile | 8th | 24th |
| Total assets | $7.7B | $4.0B |
| Deposits / shares | $5.7B | $3.0B |
| Capital ratio | 8.83% | 11.23% (stronger) |
| Problem loans | 0.81% | 0.58% (stronger) |
| Net charge-offs | 0.02% | 0.02% (stronger) |
| Return on assets | 0.46% | 0.63% (stronger) |
| Loans ÷ deposits | 101.7% (stronger) | 107.4% |
| Uninsured deposits | 39.1% (stronger) | 41.6% |
| Offices | 40 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.1% | 18.0% |
Spencer Savings Bank, SLA has the higher TellerScore (61 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Kearny Bank leads on 2 and Spencer Savings Bank, SLA on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Clifton, NJ
- Garfield, NJ
- Lyndhurst, NJ
- Wallington, NJ
- Wayne, NJ
- Wood-Ridge, NJ