Bank of Salem
Total assets
$261.5M
▲ +3.8% YoY
Deposits
$227.6M
▲ +3.4% YoY
Loans
$196.3M
▲ +0.5% YoY
Offices
5
SMITH ASSOCIATED BANKING CORP
ROA (annualized)
2.03%
peers 1.24%
ROE (annualized)
16.59%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Bank of Salem | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.4% | -0.6 pts |
| Deposit growth (YoY) | +3.4% | +4.0% | -0.6 pts |
| Loan growth (YoY) | +0.5% | +5.6% | -5.1 pts |
| ROA | 2.03% | 1.24% | +0.8 pts |
| ROE | 16.6% | 11.9% | +4.7 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
Profile
- Established
- 1908
- Charter
- State
- Primary regulator
- FED
- Holding company
- SMITH ASSOCIATED BANKING CORP
- Specialization
- All Other Under 1 Billion
- Address
- 207 Church St, Salem, AR, 72576
- County
- Fulton
- Offices
- 5
- FDIC cert #
- 11243
- RSSD ID
- 931047
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $261.5M | $227.6M | $196.3M | $32.4M | $2.7M | 2.03% | 4.87% | 1.37% |
| Q1 2026 | $267.4M | $233.6M | $195.7M | $32.4M | $1.4M | 2.09% | 4.68% | 1.42% |
| Q4 2025 | $263.8M | $230.5M | $199.4M | $32.0M | $4.8M | 1.90% | 4.64% | 1.61% |
| Q3 2025 | $256.0M | $223.7M | $197.7M | $30.8M | $3.6M | 1.91% | 4.65% | 1.51% |
| Q2 2025 | $251.9M | $220.2M | $195.2M | $30.2M | $2.4M | 1.93% | 4.66% | 0.21% |
| Q1 2025 | $250.9M | $219.3M | $195.4M | $30.2M | $1.2M | 1.93% | 4.52% | 0.15% |
| Q4 2024 | $247.4M | $216.4M | $193.2M | $29.7M | $4.4M | 1.78% | 4.53% | 0.08% |
| Q3 2024 | $248.1M | $217.8M | $191.2M | $28.7M | $3.4M | 1.82% | 4.50% | 0.16% |
Loan mix (Q2 2026): real estate $155.0M · commercial $17.9M · consumer $11.0M · securities $8.1M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Bank of Salem | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.03% | 1.24% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 16.6% | 11.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.87% | 3.96% | 89th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.6% | 62.9% | 19th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Bank of Salem | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Bank of Salem | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Bank of Salem | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Bank of Salem | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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