SALEM CO-OPERATIVE BANK
SALEM CO-OPERATIVE BANK is an FDIC-insured commercial bank headquartered in SALEM, NH, established in 1922. As of , the bank reported total assets of $572M and total deposits of $400M. Profitability stands at 0.27% ROA and 2.49% ROE, with a net interest margin of 2.25%. CET1 capital ratio: 17.94%, well above regulatory minimums. NPL ratio: 0.32% · Texas Ratio: 2.31%. Operates 2 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Salem Co-operative Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 17.94% | 0.27% | 0.32% | 2.31% | 2.25% |
| 2025-09-30 | 17.82% | 0.16% | 0.31% | 2.28% | 2.15% |
| 2025-06-30 | 18.12% | 0.02% | 0.50% | 3.59% | 1.97% |
| 2025-03-31 | 17.91% | -0.63% | 0.50% | 3.63% | 1.79% |
| 2024-12-31 | 18.23% | -0.14% | 0.34% | 3.39% | 1.81% |
| 2024-09-30 | 18.57% | -1.21% | 0.63% | 5.37% | 1.56% |
| 2024-06-30 | 19.49% | -0.36% | 0.25% | 2.58% | 1.61% |
| 2024-03-31 | 20.14% | -0.39% | 0.24% | 2.53% | 1.60% |
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Frequently asked about SALEM CO-OPERATIVE BANK
What are Salem Co-operative Bank's total assets?
As of the Q4 2025 filing, Salem Co-operative Bank reported total assets of $572.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Salem Co-operative Bank headquartered?
Salem Co-operative Bank is headquartered in SALEM, NH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Salem Co-operative Bank founded?
Salem Co-operative Bank was established in 1922, per the FDIC institution directory.
Is Salem Co-operative Bank FDIC-insured?
Yes. Salem Co-operative Bank is an FDIC-insured commercial bank (FDIC Certificate #27824). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Salem Co-operative Bank?
Salem Co-operative Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Salem Co-operative Bank's CET1 capital ratio?
Salem Co-operative Bank reported a Common Equity Tier 1 (CET1) capital ratio of 17.94% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Salem Co-operative Bank operate?
Salem Co-operative Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Salem Co-operative Bank's Texas Ratio?
Salem Co-operative Bank's Texas Ratio is 2.31% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.