Bank of Salem
Salem, AR · Cert 11243 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Smith Associated Banking Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
$261.5MAssets
$200.3MLoans
$227.6MDeposits
$32.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 89% of banks under $1B in assets operating in a single state (rank 81 of 746).
- Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets operating in a single state (rank 658 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.69%
Rank 113 of 746
Net Interest Margin
4.56%
Rank 81 of 746
Efficiency Ratio
51.56%
Rank 130 of 746
Equity / Assets
12.39%
Rank 220 of 746
Non-interest income vs. expense
Unfavorable gap of $5.7M · efficiency ratio beats 83% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.69% | 0.72% | 1.06% | 1.45% | Beats 85% | 113 / 746 | |
| Return on Equity | 13.63% | 6.74% | 10.51% | 13.63% | Beats 75% | 187 / 746 | |
| Net Interest Margin | 4.56% | 3.17% | 3.68% | 4.16% | Beats 89% | 81 / 746 | |
| Efficiency Ratio | 51.56% | 55.74% | 64.58% | 75.47% | Beats 83% | 130 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.79% | 0.09% | 0.42% | 1.07% | Beats 13% | 644 / 743 | |
| Net Charge-Offs / Loans | 0.13% | 0.00% | 0.01% | 0.05% | Beats 12% | 658 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.43% | 11.55% | 13.75% | 17.60% | Beats 36% | 481 / 746 | |
| Total Risk-Based Capital Ratio | 12.43% | 11.71% | 14.33% | 18.43% | Beats 32% | 509 / 746 | |
| Equity / Assets | 12.39% | 8.90% | 10.51% | 13.06% | Beats 71% | 220 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 87.97% | 61.31% | 78.27% | 90.78% | 70th pctl | 225 / 746 | |
| Loans / Assets | 76.58% | 53.60% | 66.97% | 76.08% | 77th pctl | 174 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |