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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.63% | 1.64% | 1.59% | 1.62% | 1.65% | +2 bps | |
| Return on Equity | 19.47% | 19.45% | 18.96% | 19.59% | 19.39% | -8 bps | |
| Net Interest Margin | 3.95% | 4.04% | 3.87% | 3.96% | 3.95% | 0 bps | |
| Efficiency Ratio | 53.04% | 52.51% | 54.19% | 53.95% | 53.36% | +33 bps | |
| Non-Interest Burden | 1.88% | 1.91% | 1.89% | 1.80% | 1.81% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.24% | 12.43% | 18.67% | 14.49% | 9.38% | +115 bps | |
| Loan Growth (YoY) | 11.70% | 12.67% | 13.52% | 8.82% | 6.82% | -488 bps | |
| Deposit Growth (YoY) | 7.11% | 11.55% | 18.47% | 14.16% | 10.37% | +327 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.05% | 0.53% | 0.07% | 0.38% | 0.67% | +63 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.65% | 1.66% | 1.63% | 1.63% | 1.65% | 0 bps | |
| Allowance Coverage of NPLs | 35.1x | 3.1x | 24.9x | 4.3x | 2.4x | -32.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.73% | 9.16% | 8.54% | 8.81% | 8.98% | +25 bps | |
| Total Risk-Based Capital | 11.95% | 12.27% | 11.80% | 12.40% | 12.85% | +90 bps | |
| Equity / Assets | 8.44% | 8.64% | 8.09% | 8.47% | 9.03% | +59 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.26% | 93.32% | 89.85% | 90.19% | 91.23% | -303 bps | |
| Liquid Assets / Assets | 0.17% | 0.12% | 0.53% | 0.10% | 0.85% | +67 bps | |
| CRE / Total Capital | n/a | 360% | 376% | 357% | n/a | n/a | |