SALEM FIVE CENTS SAVINGS BANK

SALEM, MA | Large | Est. March 9, 1855, midnight | FDIC #23296 | RSSD #618807 | FDIC
Latest Report: 2025-12-31

SALEM FIVE CENTS SAVINGS BANK is aln large FDIC-insured commercial bank headquartered in SALEM, MA, established in March 9, 1855, midnight. As of 2025-12-31, the bank reported total assets of $8.5B and total deposits of $6.0B. Profitability stands at 1.00% ROA and 8.96% ROE, with a net interest margin of 2.60%. The bank's CET1 capital ratio is 13.05%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.38% and a Texas Ratio of 3.36%. FDIC Certificate #23296.

Assets

$8.5B

Deposits

$6.0B

Loans

$6.6B

Equity

$963M

Profitability

Return on Assets (ROA) 1.00%
Return on Equity (ROE) 8.96%
Net Interest Margin (NIM) 2.60%
Yield on Assets 5.18%
Cost of Funds 3.16%

Asset Quality

NPL Ratio 0.38%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.36%
NPA Ratio 0.41%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 13.05%
Tier 1 Capital 13.05%
Total Capital Ratio 14.30%
Leverage Ratio 10.28%
Loan-to-Deposit 110.83%

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