Salem Five Cents Sb (FDIC #23296): Bank Stress & Real-Estate Credit Exposure
Salem Five Cents Sb (FDIC Cert #23296): bank stress 66/100, elevated, STABLE over 7 days; parent SALEM FIVE BCORP.
Salem Five Cents Sb (#23296) lends in 4 counties across 1 state; Salem Five Cents Sb (#23296) reaches 201 ZIP codes: Massachusetts 4 counties, 201 ZIPs.
Salem Five Cents Sb (#23296) largest markets: Middlesex County, MA (996 branches, 83 ZIPs) (#23296), Essex County, MA (920 branches, 46 ZIPs) (#23296), Norfolk County, MA (41 branches, 41 ZIPs) (#23296), Suffolk County, MA (39 branches, 39 ZIPs) (#23296).
Salem Five Cents Sb (#23296) reports $8.82 billion in total assets; Salem Five Cents Sb (#23296) equity $1.01 billion (11.5% of Salem Five Cents Sb (#23296) assets); Salem Five Cents Sb (#23296) domestic deposits $6.04 billion; Salem Five Cents Sb (#23296) net income $41.5 million; Salem Five Cents Sb (#23296) return on assets 0.96%; Salem Five Cents Sb (#23296) return on equity 8.41%; Salem Five Cents Sb (#23296) net interest income $105.7 million; Salem Five Cents Sb (#23296) call report June 30, 2026.
Salem Five Cents Sb (#23296) noncurrent real-estate loans: none reported; Salem Five Cents Sb (#23296) net charge-offs on real estate 0.35%; Salem Five Cents Sb (#23296) residential charge-offs 0.05%.
Salem Five Cents Sb (#23296) net interest margin 2.58% against an eight-quarter Salem Five Cents Sb (#23296) average of 2.42% (Salem Five Cents Sb (#23296) compression -0.17 points); Salem Five Cents Sb (#23296) non-residential real estate 4.8% of equity; Salem Five Cents Sb (#23296) rate-exposure score 40/100, Salem Five Cents Sb (#23296) fixed-rate trap 40/100; Salem Five Cents Sb (#23296) risk type credit driven; Salem Five Cents Sb (#23296) rate regime rates elevated, Salem Five Cents Sb (#23296) snapshot October 19, 2026.
Salem Five Cents Sb (#23296) stress score moved from 65.4 on June 22, 2026 to 66.2 on October 20, 2026; Salem Five Cents Sb (#23296) ranged 65.4 to 66.2 over 117 snapshots.
Salem Five Cents Sb (#23296) alerts: 4 counties; top Salem Five Cents Sb (#23296) alert scores: Boston County, MA 23 (low); Needham County, MA 23 (low); Swampscott County, MA 23 (low); Woburn County, MA 23 (low).