Mid-Southern Savings Bank, F.S.B.
Salem, IN · Cert 30133 · Peer group: banks under $1B in assets (n=547-599)
FDIC · 3 branches
Q1 2025
$228.0MAssets
$129.5MLoans
$192.1MDeposits
$34.9MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 82% of banks under $1B in assets (rank 105 of 598).
- Widest gap: net charge-offs / loans trails 50% of banks under $1B in assets (rank 280 of 547).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.43%
Rank 137 of 599
Net Interest Margin
3.85%
Rank 148 of 598
Efficiency Ratio
60.02%
Rank 148 of 598
Equity / Assets
15.32%
Rank 105 of 598
Non-interest income vs. expense
Unfavorable gap of $4.9M · efficiency ratio beats 75% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.43% | 0.47% | 0.86% | 1.38% | Beats 77% | 137 / 599 | n/a | |
| Return on Equity | 9.34% | 4.56% | 8.90% | 12.65% | Beats 54% | 276 / 598 | n/a | |
| Net Interest Margin | 3.85% | 2.82% | 3.31% | 3.84% | Beats 75% | 148 / 598 | n/a | |
| Efficiency Ratio | 60.02% | 60.53% | 70.73% | 82.91% | Beats 75% | 148 / 598 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.06% | 0.34% | 0.91% | Beats 58% | 230 / 547 | n/a | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 50% | 280 / 547 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 15.55% | 11.11% | 13.78% | 18.22% | Beats 61% | 234 / 598 | n/a | |
| Total Risk-Based Capital Ratio | 15.55% | 11.62% | 14.42% | 19.14% | Beats 56% | 262 / 598 | n/a | |
| Equity / Assets | 15.32% | 8.34% | 10.07% | 12.96% | Beats 82% | 105 / 598 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 67.42% | 60.71% | 77.02% | 90.89% | 32nd pctl | 381 / 561 | n/a | |
| Loans / Assets | 56.83% | 54.47% | 67.19% | 77.36% | 29th pctl | 389 / 547 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |