| Metric | Bank of Salem | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.4% | -0.4 pts |
| Deposit growth (YoY) | +3.5% | +4.0% | -0.4 pts |
| Loan growth (YoY) | +1.1% | +5.6% | -4.5 pts |
| ROA | 1.20% | 1.24% | -0.0 pts |
| ROE | 14.2% | 11.9% | +2.3 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $147.0M | $132.9M | $91.4M | $12.7M | $877K | 1.20% | 3.46% | 0.44% |
| Q1 2026 | $147.2M | $133.2M | $88.9M | $12.5M | $388K | 1.06% | 3.42% | 0.52% |
| Q4 2025 | $144.9M | $131.6M | $90.4M | $11.9M | $1.2M | 0.83% | 3.19% | 0.55% |
| Q3 2025 | $140.1M | $126.8M | $90.4M | $11.9M | $949K | 0.88% | 3.17% | 0.43% |
| Q2 2025 | $141.4M | $128.4M | $90.4M | $11.2M | $650K | 0.90% | 3.16% | 0.46% |
| Q1 2025 | $143.4M | $128.8M | $91.5M | $10.6M | $323K | 0.89% | 3.11% | 0.46% |
| Q4 2024 | $148.4M | $134.4M | $92.7M | $10.1M | $1.0M | 0.69% | 2.71% | 0.49% |
| Q3 2024 | $148.4M | $129.7M | $94.7M | $10.6M | $706K | 0.65% | 2.63% | 0.49% |
Loan mix (Q2 2026): real estate $74.2M · commercial $2.7M · consumer $5.4M · securities $37.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Salem | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.24% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 11.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.2% | 62.9% | 45th |
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% |
| 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% |
| 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% |
| 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% |
| 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% |
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