What is Salem Five Cents Savings Bank's financial health grade?

Salem Five Cents Savings Bank has a TFS Financial Health Grade of D+ (score: 68.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Salem Five Cents Savings Bank have?

Salem Five Cents Savings Bank has 34 branch locations across the United States.

Is Salem Five Cents Savings Bank FDIC insured?

Yes, Salem Five Cents Savings Bank is FDIC insured (Certificate #23296).

What are the total assets of Salem Five Cents Savings Bank?

Salem Five Cents Savings Bank has total assets of $8.5B as reported in its most recent FDIC filing.

Salem Five Cents Savings Bank

BankSalem, Massachusetts

http://www.salemfive.com

Total Assets

$8.5B

Total Deposits

$6.0B

Branches

Established

1855

TFS Health Grade

D+

68.3 / 100

Below average financial health

How we grade

Salem Five Cents Savings Bank is a bank headquartered in Salem, Massachusetts, established in 1855. With $8.5B in total assets and 34 branch locations, it has a TFS Financial Health Grade of D+ (68.3/100).

Capital & Safety

Tier 1 Capital Ratio

10.28%(8%)

Total Capital Ratio

14.30%(10%)

Non-Performing Loan Ratio

0.38%

Profitability

Return on Assets (ROA)

0.89%(1%)

Return on Equity (ROE)

8.00%(10%)

Net Interest Margin

2.47%

Efficiency Ratio

56.61%(60%)

Lending & Liquidity

Total Loans

$6.6B

Loan-to-Deposit Ratio

109.51%

Net Charge-Off Ratio

0.00%

Growth

Asset Growth (YoY)

+8.84%

Deposit Growth (YoY)

+5.82%

Net Income

$73.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Salem Five Cents Savings BankHQ	71 Washington St	Salem	MA	11
Salem Five Cents Savings Bank	285 Great Rd	Bedford	MA	11
Salem Five Cents Savings Bank	140 Rantoul Street	Beverly	MA	11
Salem Five Cents Savings Bank	495 Cabot St	Beverly	MA	12
Salem Five Cents Savings Bank	19 West St	Beverly	MA	11
Salem Five Cents Savings Bank	1 Center Plz	Boston	MA	11
Salem Five Cents Savings Bank	36 Cambridge St	Burlington	MA	11
Salem Five Cents Savings Bank	85 High St	Danvers	MA	11
Salem Five Cents Savings Bank	160 Endicott St	Danvers	MA	11
Salem Five Cents Savings Bank	2 E Main St	Georgetown	MA	11
Salem Five Cents Savings Bank	691 Rogers St	Lowell	MA	11
Salem Five Cents Savings Bank	35 Boston St	Lynn	MA	11
Salem Five Cents Savings Bank	90 Highland Ave	Malden	MA	11
Salem Five Cents Savings Bank	89 Pleasant St	Marblehead	MA	11
Salem Five Cents Savings Bank	221 S Main St	Middleton	MA	11
Salem Five Cents Savings Bank	355 Chestnut St	Needham	MA	11
Salem Five Cents Savings Bank	601 Chickering Rd	North Andover	MA	11
Salem Five Cents Savings Bank	562a Turnpike St	North Andover	MA	11
Salem Five Cents Savings Bank	188 Boston Rd	North Billerica	MA	11
Salem Five Cents Savings Bank	91 Lynnfield St	Peabody	MA	11
Salem Five Cents Savings Bank	One Main Street	Peabody	MA	11
Salem Five Cents Savings Bank	8 Walkers Brook Dr	Reading	MA	11
Salem Five Cents Savings Bank	303 Haverhill St	Rowley	MA	11
Salem Five Cents Savings Bank	424 Essex St	Salem	MA	11
Salem Five Cents Savings Bank	210 Essex St	Salem	MA	13
Salem Five Cents Savings Bank	855 Broadway	Saugus	MA	11
Salem Five Cents Savings Bank	2 Bay Rd	South Hamilton	MA	11
Salem Five Cents Savings Bank	359 Main St	Stoneham	MA	11
Salem Five Cents Savings Bank	88 Main St	Stoneham	MA	11
Salem Five Cents Savings Bank	19 Concord Rd	Sudbury	MA	11
Salem Five Cents Savings Bank	450 Paradise Rd	Swampscott	MA	11
Salem Five Cents Savings Bank	2171 Main St	Tewksbury	MA	11
Salem Five Cents Savings Bank	281 Main St	Wilmington	MA	11
Salem Five Cents Savings Bank	443 Main St	Woburn	MA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.