Salem Five Cents Savings Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Salem Five Cents Savings Bank is a community bank chartered in 1855, based in Salem, MA. On its most recent Q2 2026 call report, Salem Five Cents Savings reported $8.8B in total assets against $6.0B in deposits. Earnings are mid-range, 1.02% ROA and a 2.61% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 13.21% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is pristine, 0.41% NPLs and a 3.83% Texas Ratio. Its footprint covers 34 branches concentrated in Massachusetts.
As of June 30, 2026, Salem Five Cents Savings Bank reported a CET1 capital ratio of 13.21%, a return on assets of 1.02%, a nonperforming-loan ratio of 0.41%, a Texas ratio of 3.83%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 71 Washington St, Salem, MA 01970
- County
- Essex
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 9, 1855
- Offices
- 34 domestic
- Employees (FTE)
- 679
- Domestic deposits
- $6.04B
- Allowance for credit losses
- $82.5M
- Net charge-offs (YTD)
- $115K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 2, 1981
- FDIC Cert
- 23296
- Fed RSSD
- 618807
- Website
- http://www.salemfive.com →
- Parent Holding Company
- SALEM FIVE BANCORP (RSSD 3365858)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Salem Five Cents Savings Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Salem Five Cents Savings Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Salem Five Cents Savings Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.21% | 1.02% | 0.41% | 3.83% | 2.61% |
| Q1 2026 | 13.30% | 0.92% | 0.41% | 3.85% | 2.51% |
| Q4 2025 | 13.05% | 1.01% | 0.39% | 3.80% | 2.49% |
| Q3 2025 | 12.94% | 0.92% | 0.38% | 3.84% | 2.48% |
| Q2 2025 | 13.55% | 0.89% | 0.31% | 3.24% | 2.44% |
| Q1 2025 | 13.63% | 0.76% | 0.39% | 3.78% | 2.32% |
| Q4 2024 | 13.63% | 0.76% | 0.22% | 2.59% | 2.25% |
| Q3 2024 | 13.61% | 0.75% | 0.23% | 2.71% | 2.23% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 34 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Salem Five Cents Savings Bank (main office) | Salem , MA | 01970 | $2.15B |
| Directbanking Branch | Salem , MA | 01970 | $749.9M |
| Swampscott Branch | Swampscott , MA | 01907 | $204.8M |
| High Street Branch | Danvers , MA | 01923 | $166.6M |
| Stoneham Main Off | Stoneham , MA | 02180 | $162.8M |
| South Hamilton Branch | South Hamilton , MA | 01982 | $160.9M |
| Reading Branch | Reading , MA | 01867 | $143.9M |
| Georgetown Head Off Br | Georgetown , MA | 01833 | $135.6M |
| North Andover Branch | North Andover , MA | 01845 | $131.1M |
| Endicott | Danvers , MA | 01923 | $130.4M |
| Rogers Street Branch | Lowell , MA | 01852 | $129.7M |
| North Andover Branch | North Andover , MA | 01845 | $127.4M |
| Middleton | Middleton , MA | 01949 | $119.6M |
| Salem Branch | Salem , MA | 01970 | $115.4M |
| Stoneham Branch | Stoneham , MA | 02180 | $102.0M |
| Boston Street Lynn Branch | Lynn , MA | 01904 | $100.3M |
| Woburn Branch | Woburn , MA | 01801 | $95.7M |
| Needham Branch | Needham , MA | 02492 | $94.0M |
| Burlington Branch | Burlington , MA | 01803 | $93.6M |
| Beverly Branch | Beverly , MA | 01915 | $92.8M |
| Sudbury Branch | Sudbury , MA | 01776 | $88.9M |
| Malden Branch | Malden , MA | 02148 | $80.0M |
| Boston Branch | Boston , MA | 02108 | $77.5M |
| Main Street Branch | Tewksbury , MA | 01876 | $75.6M |
| Saugus | Saugus , MA | 01906 | $74.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 18, 2018 | Structure Change | Acquired Sage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 17, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 24, 2017 | Structure Change | Acquired Georgetown Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 23, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 24, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 24, 2013 | Structure Change | Acquired Stoneham Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 11, 2006 | Structure Change | Acquired Heritage Co-operative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 10, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for Salem Five Cents Savings Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.9% of deposits in MA, rank 10 of 120 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,239 applications, 979 loans originated, $298.5M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Salem Five Cents Savings Bank
What are Salem Five Cents Savings Bank's total assets?
As of the Q2 2026 filing, Salem Five Cents Savings Bank reported total assets of $8.82 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Salem Five Cents Savings Bank headquartered?
Salem Five Cents Savings Bank is headquartered in Salem, MA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Salem Five Cents Savings Bank founded?
Salem Five Cents Savings Bank was established in 1855, per the FDIC institution directory.
Is Salem Five Cents Savings Bank FDIC-insured?
Yes. Salem Five Cents Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #23296). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Salem Five Cents Savings Bank?
Salem Five Cents Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Salem Five Cents Savings Bank's CET1 capital ratio?
Salem Five Cents Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.21% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Salem Five Cents Savings Bank operate?
Salem Five Cents Savings Bank operates 34 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Salem Five Cents Savings Bank's Texas Ratio?
Salem Five Cents Savings Bank's Texas Ratio is 3.83% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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