BANK OF SALEM

SALEM, AR | Small | Est. Dec. 9, 1908, midnight | FDIC #11243 | RSSD #931047 | FED
Latest Report: 2025-12-31

BANK OF SALEM is asn small FDIC-insured commercial bank headquartered in SALEM, AR, established in Dec. 9, 1908, midnight. As of 2025-12-31, the bank reported total assets of $264M and total deposits of $230M. Profitability stands at 1.86% ROA and 15.44% ROE, with a net interest margin of 4.73%. The bank's CET1 capital ratio is 12.14%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.07% and a Texas Ratio of 11.74%. FDIC Certificate #11243.

Assets

$264M

Deposits

$230M

Loans

$203M

Equity

$32M

Profitability

Return on Assets (ROA) 1.86%
Return on Equity (ROE) 15.44%
Net Interest Margin (NIM) 4.73%
Yield on Assets 7.12%
Cost of Funds 2.52%

Asset Quality

NPL Ratio 2.07%
Net Charge-Off Ratio 0.01%
Texas Ratio 11.74%
NPA Ratio 1.60%
ACL / Loans 1.93%

Capital & Liquidity

CET1 Ratio 12.14%
Tier 1 Capital 12.14%
Total Capital Ratio 12.74%
Leverage Ratio 12.54%
Loan-to-Deposit 88.22%

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