Bank of Salem
Salem, MO · Cert 14349 · Peer group: banks under $1B in assets in MO (n=82-83) · Judson Young Memorial Education Foundation
State charter, non-member · FDIC · 2 branches
Q2 2026
$147.0MAssets
$92.1MLoans
$132.9MDeposits
$12.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 67% of banks under $1B in assets in MO (rank 28 of 82).
- Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets in MO (rank 80 of 83).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.19%
Rank 46 of 83
Net Interest Margin
3.18%
Rank 68 of 83
Efficiency Ratio
61.19%
Rank 49 of 83
Equity / Assets
8.65%
Rank 65 of 83
Non-interest income vs. expense
Unfavorable gap of $2.6M · efficiency ratio beats 42% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 0.96% | 1.32% | 1.75% | Beats 45% | 46 / 83 | | |
| Return on Equity | 13.79% | 9.66% | 12.96% | 15.76% | Beats 60% | 33 / 83 | | |
| Net Interest Margin | 3.18% | 3.35% | 3.85% | 4.16% | Beats 18% | 68 / 83 | | |
| Efficiency Ratio | 61.19% | 49.83% | 58.83% | 68.51% | Beats 42% | 49 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.71% | 0.08% | 0.51% | 1.01% | Beats 41% | 49 / 82 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 67% | 28 / 82 | | |
| Capital |
| Tier 1 Capital Ratio | 9.53% | 11.01% | 12.49% | 14.98% | Beats 5% | 79 / 83 | | |
| Total Risk-Based Capital Ratio | 9.53% | 11.13% | 13.01% | 15.10% | Beats 4% | 80 / 83 | | |
| Equity / Assets | 8.65% | 8.83% | 10.71% | 13.29% | Beats 22% | 65 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 69.28% | 69.28% | 83.22% | 91.21% | 24th pctl | 62 / 82 | | |
| Loans / Assets | 62.63% | 59.34% | 71.15% | 78.36% | 28th pctl | 60 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |