Side-by-side · Q2 2026 data
Salem Five Cents Savings Bank vs Needham Bank
Metric by metric
| Measure | Salem Five Cents Savings Bank | Needham Bank |
|---|---|---|
| TellerScore | 67 | 67 |
| Capital cushion | 55 | 59 (stronger) |
| Loan quality | 88 (stronger) | 86 |
| Earnings | 58 | 60 (stronger) |
| Funding & liquidity | 47 (stronger) | 44 |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 44th | 44th |
| Total assets | $8.8B | $7.4B |
| Deposits / shares | $6.0B | $6.3B |
| Capital ratio | 10.52% | 10.89% (stronger) |
| Problem loans | 0.36% (stronger) | 0.43% |
| Net charge-offs | 0.00% (stronger) | 0.47% |
| Return on assets | 0.96% | 1.01% (stronger) |
| Loans ÷ deposits | 111.7% | 101.3% (stronger) |
| Uninsured deposits | 18.3% (stronger) | 28.2% |
| Offices | 33 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.0% | 19.8% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Salem Five Cents Savings Bank leads on 3 and Needham Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.