BlastPoint's Banking Scorecard
Salem Five Cents Savings Bank
Salem, MA
34 branches across MA
Salem Five Cents Savings Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.45% below tier average
- + Delinquency Rate 0.50% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.28% below tier average
- - Loan-to-Deposit Ratio 24.73% above tier average
- - ROA 0.46% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.6B
+6.5% YoY
+0.4% QoQ
|
+$5.8B |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
Top 3.3% in tier |
| Total Loans ? |
$6.5B
+7.8% YoY
+0.4% QoQ
|
+$4.6B |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
Top 2.5% in tier |
| Total Deposits ? |
$6.0B
+6.5% YoY
+0.9% QoQ
|
+$3.7B |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
Top 6.1% in tier |
| Return on Assets ? |
0.91%
+20.1% YoY
+1.8% QoQ
|
-0.46% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
2.53%
+7.9% YoY
+2.7% QoQ
|
-1.28% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 6.1% in tier |
| Efficiency Ratio ? |
57.61%
-6.8% YoY
+1.8% QoQ
|
-3.45% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
57% |
| Delinquency Rate ? |
0.39%
-1.2% YoY
+2.7% QoQ
|
-0.50% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
108.94%
+1.2% YoY
-0.5% QoQ
|
+24.73% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 4.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.16%
-6.6% YoY
-0.5% QoQ
|
-4.13% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.42%
-1.4% YoY
+2.0% QoQ
|
-0.26% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
50% |
| Tier 1 Capital Ratio ? |
13.30%
-2.5% YoY
+1.9% QoQ
|
-1.86% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.19%
+6.1% YoY
-74.9% QoQ
|
-0.07% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
68% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
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