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Spencer is originally from Papillion, Nebraska, and is a graduate of Papillion-LaVista High School and the University of Nebraska-Omaha. He has been an employee of Pinnacle Bank since November 1998 and a customer of the bank since opening his first savings account at the Bank of Papillion as a child. He is now the Gretna Branch President.
In the community, Spencer is involved in several groups and organizations including the Gretna Chamber of Commerce Board of Directors as treasurer, Gretna Chamber Economic Development Committee, Big Brothers Big Sisters of the Midlands, TeamMates of Papillion-La Vista and Sarpy County Safe Policy Corporation. He is a graduate of the Sarpy Chamber's "Leadership Sarpy" program and has completed the Graduate School of Banking at the University of Colorado-Boulder.