Side-by-side · Q2 2026 data
Spencer Savings Bank, SLA vs BCB Community Bank
Metric by metric
| Measure | Spencer Savings Bank, SLA | BCB Community Bank |
|---|---|---|
| TellerScore | 61 (stronger) | 28 |
| Capital cushion | 62 (stronger) | 54 |
| Loan quality | 81 (stronger) | 5 |
| Earnings | 45 (stronger) | 0 |
| Funding & liquidity | 23 | 29 (stronger) |
| Problem-loan coverage | 93 (stronger) | 58 |
| Peer percentile | 24th | 0th |
| Total assets | $4.0B | $3.1B |
| Deposits / shares | $3.0B | $2.6B |
| Capital ratio | 11.23% (stronger) | 10.38% |
| Problem loans | 0.58% (stronger) | 2.85% |
| Net charge-offs | 0.02% (stronger) | 0.78% |
| Return on assets | 0.63% (stronger) | -0.50% |
| Loans ÷ deposits | 107.4% | 98.6% (stronger) |
| Uninsured deposits | 41.6% (stronger) | 44.8% |
| Offices | 28 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.0% | — |
Spencer Savings Bank, SLA has the higher TellerScore (61 vs 28). On the 7 directional measures above (where higher or lower is clearly better), Spencer Savings Bank, SLA leads on 6 and BCB Community Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.