The North Salem State Bank
Total assets
$769.6M
▲ +9.4% YoY
Deposits
$687.9M
▲ +10.4% YoY
Loans
$617.2M
▲ +6.8% YoY
Offices
9
NORTH SALEM STATE BCORP THE
ROA (annualized)
1.65%
peers 1.28%
ROE (annualized)
19.39%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.4% | +4.9% | +4.5 pts |
| Deposit growth (YoY) | +10.4% | +4.3% | +6.0 pts |
| Loan growth (YoY) | +6.8% | +5.3% | +1.5 pts |
| ROA | 1.65% | 1.28% | +0.4 pts |
| ROE | 19.4% | 12.4% | +7.0 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
Profile
- Established
- 1923
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- NORTH SALEM STATE BCORP THE
- Specialization
- Commercial Lending Specialization
- Address
- 7 N Broadway St, North Salem, IN, 46165
- County
- Hendricks
- Metro area
- Indianapolis-Carmel-Anderson, IN
- Offices
- 9
- FDIC cert #
- 8063
- RSSD ID
- 947749
- 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 | $769.6M | $687.9M | $617.2M | $69.5M | $6.4M | 1.65% | 4.29% | 0.55% |
| Q1 2026 | $775.1M | $687.2M | $609.7M | $65.7M | $3.1M | 1.62% | 4.17% | 0.31% |
| Q4 2025 | $776.3M | $689.9M | $609.7M | $62.8M | $11.2M | 1.59% | 4.41% | 0.05% |
| Q3 2025 | $726.0M | $641.4M | $588.6M | $62.7M | $8.5M | 1.64% | 4.42% | 0.43% |
| Q2 2025 | $703.6M | $623.2M | $577.8M | $59.4M | $5.5M | 1.63% | 4.40% | 0.04% |
| Q1 2025 | $677.0M | $602.0M | $560.1M | $56.5M | $2.7M | 1.64% | 4.38% | 0.05% |
| Q4 2024 | $654.1M | $582.3M | $536.7M | $54.5M | $9.5M | 1.48% | 4.23% | 0.00% |
| Q3 2024 | $645.7M | $575.0M | $522.0M | $52.9M | $7.2M | 1.50% | 4.18% | 0.27% |
Loan mix (Q2 2026): real estate $546.2M · commercial $40.4M · consumer $14.3M · securities $77.2M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 1.28% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 19.4% | 12.4% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.89% | 73th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.4% | 61.2% | 26th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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