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Salem Five Cents Savings Bank
Salem, MA·FDIC Cert #23296·Charter: STATE·Est. 18550309.0·HC: SALEM FIVE BCORP
Total Assets
$8.5B
Q4 2025
Return on Assets
0.89%
+0.04%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.61%
Peer avg: 56.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
51
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.89%+0.04
ROE
8.00%+0.33
Efficiency
56.61%-0.94
Equity/Assets
0.00%+0.00
NPL Ratio
0.38%-0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
109.51%-1.14
Charge-offs
0.00%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.7 | 0.7 | 0.7 | 0.8 | 0.8 | 0.9 | 0.9 |
| ROE | 6.0 | 6.0 | 6.2 | 6.3 | 6.7 | 7.4 | 7.7 | 8.0 |
| Efficiency | 64.3 | 65.6 | 64.3 | 63.3 | 61.8 | 59.5 | 57.5 | 56.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.2 | 0.2 | 0.4 | 0.3 | 0.4 | 0.4 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 101.3 | 103.5 | 104.4 | 104.7 | 107.6 | 110.2 | 110.6 | 109.5 |
Balance Sheet
Total Assets$8.5B
Total Deposits$6.0B
Total Loans$6.5B
Total Equity$963.4M
Profitability
ROA0.89%
ROE8.00%
Efficiency Ratio56.61%
Net Income$73.6M
Risk & Asset Quality
NPL Ratio0.38%
Charge-off Rate0.00%
Loan/Deposit109.51%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans