Salem Co-operative Bank

Salem, NH · Cert 27824 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29)

SL · FDIC · 2 branches

Q2 2026

$580.0MAssets

$486.1MLoans

$405.9MDeposits

$63.9MEquity

Executive Summary

Strongest standing: total risk-based capital ratio outperforms 79% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 6 of 29).
Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 28 of 29).
Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.25%

Rank 20 of 29

Net Interest Margin

2.28%

Rank 24 of 29

Efficiency Ratio

84.66%

Rank 17 of 29

Equity / Assets

11.02%

Rank 9 of 29

Unfavorable gap of $10.9M · efficiency ratio beats 48% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.25%	0.23%	0.39%	0.50%	Beats 31%	20 / 29
Return on Equity	2.29%	2.29%	3.46%	5.78%	Beats 24%	22 / 29
Net Interest Margin	2.28%	2.42%	2.71%	3.01%	Beats 17%	24 / 29
Efficiency Ratio	84.66%	78.96%	84.14%	93.09%	Beats 48%	17 / 29
Asset Quality
Nonperforming Loans / Loans	0.26%	0.03%	0.13%	0.43%	Beats 41%	18 / 29
Net Charge-Offs / Loans	0.03%	n/a	0.00%	0.00%	Beats 7%	28 / 29
Capital
Tier 1 Capital Ratio	18.04%	11.54%	13.48%	16.99%	Beats 76%	7 / 29
Total Risk-Based Capital Ratio	18.90%	11.54%	14.44%	17.87%	Beats 79%	6 / 29
Equity / Assets	11.02%	8.70%	9.70%	11.05%	Beats 69%	9 / 29
Liquidity & Funding
Loans / Deposits	119.76%	84.22%	92.17%	95.56%	96th pctl	1 / 28
Loans / Assets	83.80%	69.12%	73.70%	81.02%	83rd pctl	5 / 29
Brokered Deposits / Deposits	n/a	Not reported for this institution