BlastPoint's Banking Scorecard
Salem Five Cents Savings Bank
Mid-Market
Specialty: Commercial
MA
FDIC cert 23296
Salem, MA
201
banks in Mid-Market tier nationally
9 in MA
View Mid-Market leaderboard (MA) →
Salem Five Cents Savings Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 24.03% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.5B
+8.8% YoY
+1.3% QoQ
|
-$1.9B |
$10.5B
+2.9% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$6.5B
+10.7% YoY
+1.1% QoQ
|
-$609.5M |
$7.1B
+4.5% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$6.0B
+5.8% YoY
+2.2% QoQ
|
-$2.6B |
$8.5B
+3.0% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
0.89%
+24.8% YoY
+4.5% QoQ
|
-0.27% |
1.16%
+9.4% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
2.47%
+8.5% YoY
+0.8% QoQ
|
-0.93% |
3.40%
+7.9% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
56.61%
-10.6% YoY
-1.6% QoQ
|
+0.01% |
56.60%
-3.2% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
0.38%
+81.2% YoY
-0.5% QoQ
|
-0.30% |
0.68%
+12.0% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
109.51%
+4.6% YoY
-1.0% QoQ
|
+24.03% |
85.47%
+1.1% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.26%
-7.6% YoY
-5.9% QoQ
|
-3.38% |
20.64%
-0.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.41%
+44.1% YoY
-0.7% QoQ
|
-0.09% |
0.50%
+7.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
13.05%
-4.3% YoY
+0.9% QoQ
|
-0.50% |
13.55%
+1.8% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.75%
+5.2% YoY
+39.6% QoQ
|
-0.21% |
0.96%
+7.1% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Mid-Market
Why this stands out
Current:
109.51%
(Tier avg: 85.47%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
70
70th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.68%
60
60th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.96%
56
56th pctile
Total Loans
Current: $6.5B · Tier avg: $7.1B
52
52th pctile
Total Assets
Current: $8.5B · Tier avg: $10.5B
52
52th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.50%
52
52th pctile
Efficiency Ratio
Current: 56.61% · Tier avg: 56.60%
52
52th pctile
Tier 1 Capital Ratio
Current: 13.05% · Tier avg: 13.55%
37
37th pctile
Total Deposits
Current: $6.0B · Tier avg: $8.5B
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.26% · Tier avg: 20.64%
29
29th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.16%
16
16th pctile
Net Interest Margin
Current: 2.47% · Tier avg: 3.40%
6
6th pctile
Loan-to-Deposit Ratio
Current: 109.51% · Tier avg: 85.47%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 109.51% · Tier avg: 85.47%
16
16th pctile
Net Interest Margin
Current: 2.47% · Tier avg: 3.40%
29
29th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.16%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.26% · Tier avg: 20.64%
37
37th pctile
Total Deposits
Current: $6.0B · Tier avg: $8.5B
52
52th pctile
Tier 1 Capital Ratio
Current: 13.05% · Tier avg: 13.55%
52
52th pctile
Efficiency Ratio
Current: 56.61% · Tier avg: 56.60%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.50%
52
52th pctile
Total Assets
Current: $8.5B · Tier avg: $10.5B
56
56th pctile
Total Loans
Current: $6.5B · Tier avg: $7.1B
60
60th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.96%
70
70th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.68%