North Salem, IN · Cert 8063 · North Salem State Bcorp the
State charter, non-member · FDIC · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
53
Profitability
81
Liquidity
41
Efficiency
78
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
North Salem, IN · Cert 8063 · North Salem State Bcorp the
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Indianapolis-Carmel-Greenwood, IN · 2026 SOD (annual) · 0.6% share · #22 of 49 inst. · $0.6B of $91.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.50% | 1.48% | 1.64% | 1.63% | 1.64% | 1.59% | 1.62% | 1.65% | +2 bps | |
| Return on Equity | 18.57% | 18.23% | 19.70% | 19.47% | 19.45% | 18.96% | 19.59% | 19.39% | -8 bps | |
| Net Interest Margin | 3.88% | 3.91% | 4.15% | 3.95% | 4.04% | 3.87% | 3.96% | 3.95% | 0 bps | |
| Efficiency Ratio | 54.99% | 56.26% | 52.50% | 53.04% | 52.51% | 54.19% | 53.95% | 53.36% | +33 bps | |
| Non-Interest Burden | 1.90% | 1.97% | 1.97% | 1.88% | 1.91% | 1.89% | 1.80% | 1.81% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.05% | 8.04% | 5.31% | 8.24% | 12.43% | 18.67% | 14.49% | 9.38% | +115 bps | |
| Loan Growth (YoY) | 6.46% | 8.01% | 11.02% | 11.70% | 12.67% | 13.52% | 8.82% | 6.82% | -488 bps | |
| Deposit Growth (YoY) | 3.90% | 7.51% | 4.58% | 7.11% | 11.55% | 18.47% | 14.16% | 10.37% | +327 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.33% | 0.00% | 0.06% | 0.05% | 0.53% | 0.07% | 0.38% | 0.67% | +63 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.73% | 1.71% | 1.67% | 1.65% | 1.66% | 1.63% | 1.63% | 1.65% | 0 bps | |
| Allowance Coverage of NPLs | 5.3x | n/a | 29.3x | 35.1x | 3.1x | 24.9x | 4.3x | 2.4x | -32.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.60% | 8.87% | 8.96% | 8.73% | 9.16% | 8.54% | 8.81% | 8.98% | +25 bps | |
| Total Risk-Based Capital | 11.63% | 11.87% | 11.71% | 11.95% | 12.27% | 11.80% | 12.40% | 12.85% | +90 bps | |
| Equity / Assets | 8.20% | 8.33% | 8.34% | 8.44% | 8.64% | 8.09% | 8.47% | 9.03% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.39% | 93.77% | 94.61% | 94.26% | 93.32% | 89.85% | 90.19% | 91.23% | -303 bps | |
| Liquid Assets / Assets | 0.17% | 1.28% | 0.24% | 0.17% | 0.12% | 0.53% | 0.10% | 0.85% | +67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 360% | 376% | 357% | n/a | n/a | |
North Salem, IN · Cert 8063 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · North Salem State Bcorp the
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
1.66%
Rank 121 of 746
Net Interest Margin
3.95%
Rank 269 of 746
Efficiency Ratio
53.89%
Rank 165 of 746
Equity / Assets
9.03%
Rank 546 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.66% | 0.72% | 1.06% | 1.45% | Beats 84% | 121 / 746 | ||
| Return on Equity | 18.41% | 6.74% | 10.51% | 13.63% | Beats 94% | 46 / 746 | ||
| Net Interest Margin | 3.95% | 3.17% | 3.68% | 4.16% | Beats 64% | 269 / 746 | ||
| Efficiency Ratio | 53.89% | 55.74% | 64.58% | 75.47% | Beats 78% | 165 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.67% | 0.09% | 0.42% | 1.07% | Beats 39% | 455 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 67% | 244 / 743 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.60% | 11.55% | 13.75% | 17.60% | Beats 25% | 556 / 746 | ||
| Total Risk-Based Capital Ratio | 12.85% | 11.71% | 14.33% | 18.43% | Beats 35% | 484 / 746 | ||
| Equity / Assets | 9.03% | 8.90% | 10.51% | 13.06% | Beats 27% | 546 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.23% | 61.31% | 78.27% | 90.78% | 76th pctl | 179 / 746 | ||
| Loans / Assets | 81.54% | 53.60% | 66.97% | 76.08% | 89th pctl | 85 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||