BANK OF SALEM

SALEM, MO | Small | Est. Oct. 10, 1883, midnight | FDIC #14349 | RSSD #426758 | FDIC
Latest Report: 2025-12-31

BANK OF SALEM is asn small FDIC-insured commercial bank headquartered in SALEM, MO, established in Oct. 10, 1883, midnight. As of 2025-12-31, the bank reported total assets of $145M and total deposits of $132M. Profitability stands at 0.67% ROA and 8.00% ROE, with a net interest margin of 3.34%. The bank's CET1 capital ratio is 15.64%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.69% and a Texas Ratio of 6.30%. FDIC Certificate #14349.

Assets

$145M

Deposits

$132M

Loans

$91M

Equity

$12M

Profitability

Return on Assets (ROA) 0.67%
Return on Equity (ROE) 8.00%
Net Interest Margin (NIM) 3.34%
Yield on Assets 5.05%
Cost of Funds 1.73%

Asset Quality

NPL Ratio 0.69%
Net Charge-Off Ratio 0.08%
Texas Ratio 6.30%
NPA Ratio 0.55%
ACL / Loans 0.75%

Capital & Liquidity

CET1 Ratio 15.64%
Tier 1 Capital 15.64%
Total Capital Ratio 16.46%
Leverage Ratio 9.30%
Loan-to-Deposit 69.21%

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