North Salem State Bank, The
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
$769.6MAssets
$627.5MLoans
$687.9MDeposits
$69.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 94% of banks under $1B in assets operating in a single state (rank 46 of 746).
- Widest gap: tier 1 capital ratio trails 75% of banks under $1B in assets operating in a single state (rank 556 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $14.5M · efficiency ratio beats 78% of banks under $1B in assets operating in a single state | 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 |