BanksSALEM FIVE CENTS SAVINGS BANK

SALEM FIVE CENTS SAVINGS BANK

SALEM, MALargeEst. March 9, 1855, midnightFDIC #23296RSSD #618807FDIC
Latest · 2025-12-31

SALEM FIVE CENTS SAVINGS BANK is an 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%. CET1 capital ratio: 13.05%, well above regulatory minimums. NPL ratio: 0.38% · Texas Ratio: 3.36%. Operates 34 domestic branches.

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 Margin2.60%
Yield on Assets5.18%
Cost of Funds2.74%

Asset Quality

NPL Ratio0.38%
Net Charge-Off Ratio0.00%
Texas Ratio3.36%
NPA Ratio0.41%
ACL / Loans1.20%

Capital & Liquidity

CET1 Ratio13.05%
Tier 1 Capital13.05%
Total Capital Ratio14.30%
Leverage Ratio10.28%
Loan-to-Deposit110.83%

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