Salem Co-operative Bank
Total assets
$580.0M
▲ +1.5% YoY
Deposits
$405.9M
▲ +4.6% YoY
Loans
$483.0M
▲ +3.1% YoY
Offices
2
ROA (annualized)
0.26%
peers 1.28%
ROE (annualized)
2.30%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +4.9% | -3.4 pts |
| Deposit growth (YoY) | +4.5% | +4.3% | +0.2 pts |
| Loan growth (YoY) | +3.1% | +5.3% | -2.2 pts |
| ROA | 0.26% | 1.28% | -1.0 pts |
| ROE | 2.3% | 12.4% | -10.1 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
Profile
- Established
- 1922
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 3 S Broadway, Salem, NH, 03079
- County
- Rockingham
- Metro area
- Boston-Cambridge-Newton, MA-NH
- Offices
- 2
- FDIC cert #
- 27824
- RSSD ID
- 670878
- 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 | $580.0M | $405.9M | $483.0M | $63.9M | $732K | 0.26% | 2.45% | 0.22% |
| Q1 2026 | $570.4M | $404.0M | $470.7M | $63.8M | $398K | 0.28% | 2.46% | 0.21% |
| Q4 2025 | $572.2M | $399.7M | $476.1M | $63.6M | $-243K | -0.04% | 2.08% | 0.22% |
| Q3 2025 | $579.6M | $405.2M | $477.5M | $63.1M | $-638K | -0.15% | 2.01% | 0.21% |
| Q2 2025 | $571.6M | $388.2M | $468.5M | $62.1M | $-874K | -0.31% | 1.92% | 0.36% |
| Q1 2025 | $575.4M | $382.7M | $470.3M | $62.1M | $-905K | -0.63% | 1.83% | 0.36% |
| Q4 2024 | $567.2M | $364.6M | $474.5M | $62.4M | $-2.9M | -0.53% | 1.67% | 0.38% |
| Q3 2024 | $565.6M | $371.9M | $465.2M | $63.5M | $-2.7M | -0.66% | 1.61% | 0.62% |
Loan mix (Q2 2026): real estate $452.3M · commercial $15.5M · consumer $18.3M · securities $51.7M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Salem Co-operative Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 1.28% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 12.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.45% | 3.89% | 3th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.7% | 61.2% | 93th | |
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 | Salem Co-operative Bank | 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 | Salem Co-operative Bank | 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 | Salem Co-operative Bank | 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 | Salem Co-operative Bank | 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.
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