NORTH SALEM STATE BANK, THE

NORTH SALEM, IN | Medium | Est. July 14, 1923, midnight | FDIC #8063 | RSSD #947749 | FDIC
Latest Report: 2025-12-31

NORTH SALEM STATE BANK, THE is amn medium FDIC-insured commercial bank headquartered in NORTH SALEM, IN, established in July 14, 1923, midnight. As of 2025-12-31, the bank reported total assets of $776M and total deposits of $690M. Profitability stands at 1.45% ROA and 17.32% ROE, with a net interest margin of 4.56%. The bank's CET1 capital ratio is 10.54%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 0.43%. FDIC Certificate #8063.

Assets

$776M

Deposits

$690M

Loans

$620M

Equity

$63M

Profitability

Return on Assets (ROA) 1.45%
Return on Equity (ROE) 17.32%
Net Interest Margin (NIM) 4.56%
Yield on Assets 6.83%
Cost of Funds 2.30%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.43%
NPA Ratio 0.04%
ACL / Loans 1.63%

Capital & Liquidity

CET1 Ratio 10.54%
Tier 1 Capital 10.54%
Total Capital Ratio 11.80%
Leverage Ratio 8.54%
Loan-to-Deposit 89.85%

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