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  Important Information
Financial Center Updates & Important Information Read More

Beginning Monday, March 15th the bank will resume full service status to our lobby areas with normal business hours. (No appointments are needed). Prior to visiting us, please check our “locations” section on the website for updated financial center accessibility. Financial Center Locations

We remain committed to do our part to ensure our community stays healthy during the COVID-19 pandemic. Spencer is creating a safe and secure environment for all who visit. Please take a few moments to review the safety protocols listed here prior to visiting us. Read More

We continue to stay committed to you during this difficult period.  View an updated message from our Chairman and CEO. Read More

Executive Team

John C. Duncan
EVP and Chief Lending Officer

Employed By Spencer Savings Bank Since: 2004
Employed In Industry Since: 1983

Outline of Responsibilities / Areas of Expertise / Memberships
Manages lending departments including Mortgage Originations, Consumer Lending, Commercial Real Estate, Construction Lending, Commercial & Industrial Lending and Loan Operations.

Develops and manages Spencer’s consumer and commercial product offerings, which will continue to serve the banking needs of its community and depositors.

Member of the Bank’s Executive Management Committee