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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

Mercedes M. Pedrick
VP, Director of Mortgage Originations

Employed By Spencer Savings Bank Since: 1993
Employed In Industry Since: 1972

Outline of Responsibilities / Areas of Expertise / Memberships
Oversees Residential Lending (Retail / Secondary) activities and develops new lending products and marketing strategies for implementation.

Member of the Mortgage Bankers Association

Member of the NJ League of Community Bankers, Mortgage Steering Committee

Member of the Bergen County Community Development’s American Dream Program and the Housing Partnership for Morris County

Advocate Member for Spectrum for Living