Side-by-side · Q2 2026 data
Salem Five Cents Savings Bank vs Middlesex Savings Bank
Metric by metric
| Measure | Salem Five Cents Savings Bank | Middlesex Savings Bank |
|---|---|---|
| TellerScore | 67 | 79 (stronger) |
| Capital cushion | 55 | 84 (stronger) |
| Loan quality | 88 | 89 (stronger) |
| Earnings | 58 (stronger) | 49 |
| Funding & liquidity | 47 | 80 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 44th | 88th |
| Total assets | $8.8B | $6.1B |
| Deposits / shares | $6.0B | $5.2B |
| Capital ratio | 10.52% | 13.44% (stronger) |
| Problem loans | 0.36% | 0.33% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 0.96% (stronger) | 0.72% |
| Loans ÷ deposits | 111.7% | 72.5% (stronger) |
| Uninsured deposits | 18.3% (stronger) | 22.4% |
| Offices | 33 | 32 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.0% | 10.3% |
Middlesex Savings Bank has the higher TellerScore (79 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Salem Five Cents Savings Bank leads on 3 and Middlesex Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.