Salem Five Cents Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Salem Five Cents Savings Bank of Salem, MA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.02% | 1.46% | -0.44% | 30th below |
| ROAE | 8.82% | 12.73% | -3.91% | 25th below |
| Net Interest Margin | 2.61% | 3.85% | -1.24% | 6th bottom |
| Efficiency Ratio | 54.09% | 57.42% | -3.33% | 62nd above |
| PPNR / Avg Assets | 1.46% | 1.88% | -0.42% | 34th below |
| Yield on Earning Assets | 4.95% | 5.72% | -0.77% | 18th bottom |
| Cost of Funds | 2.59% | 2.01% | +0.58% | 19th bottom |
| Net Interest Spread | 1.94% | 3.18% | -1.24% | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.41% | 1.00% | -0.59% | 65th above |
| NPA / Total Assets | 0.43% | 0.76% | -0.33% | 54th above |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 63rd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.21% | 1.31% | -0.10% | 60th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 294.37% | 544.22% | -249.85% | 69th above |
| Texas Ratio | 3.83% | 7.40% | -3.57% | 58th above |
| Provision / NCO | 3130.43% | 608.43% | +2522.00% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.21% | 17.35% | -4.14% | 45th below |
| Tier 1 Ratio | 13.21% | 17.39% | -4.18% | 45th below |
| Total Capital Ratio | 14.47% | 18.44% | -3.97% | 46th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.52% | 11.44% | -0.92% | 51st above |
| Equity / Assets | 11.47% | 11.33% | +0.14% | 68th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.44% | 10.50% | -0.06% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 113.03% | 86.86% | +26.17% | 5th bottom |
| Core Deposit Ratio | 91.39% | 85.53% | +5.86% | 64th above |
| Uninsured Deposit Ratio | 18.29% | 33.17% | -14.88% | 87th top |
| Wholesale Funding Ratio | 18.83% | 5.65% | +13.18% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.39% | 9.69% | -3.30% | 58th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.66% | 8.06% | -1.40% | 57th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.10% | 7.88% | -2.78% | 52nd above |
See Salem Five Cents Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Salem Five Cents Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Salem Five Cents Savings Bank profile, how to read a UBPR, or how this data updates.