Salem Five Cents Sb: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Salem Five Cents Sb (FDIC Cert #23296) at 66/100 for bank stress — a elevated level of financial pressure. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Its lending reaches counties such as Middlesex County, MA, Essex County, MA, Norfolk County, MA, Suffolk County, MA, each tied back to DLRadar's distress signals. DLRadar does not model Salem Five Cents Sb in isolation: the 201-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 4 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Because Salem Five Cents Sb is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 66/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. What separates this from a plain credit rating is the geographic weighting — Salem Five Cents Sb's 66/100 reading reflects not just its balance sheet but the 4 counties it lends into, so the score doubles as a map of where its stress will land first. The combination of a elevated reading and a compact footprint is what makes Salem Five Cents Sb worth watching as a supply signal. Because Salem Five Cents Sb is held under Salem Five Bcorp, its financials are open to scrutiny and its trend can be independently checked. Salem Five Cents Sb runs a compact, single-state real-estate lending footprint — 4 U.S. counties across 1 state, spanning 201 ZIP codes. Its heaviest exposure sits in Massachusetts (4 counties).

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Salem Five Cents Sb tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.