Bank of Salem (Salem, AR)
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Data as of · sourced from FFIEC call reports. How we update
Bank of Salem is an FDIC-insured commercial bank headquartered in Salem, AR, established in 1908 (FDIC certificate 11243), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $261.5M, up 3.8% from Q2 2025, the 56th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.43% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 11243
- Headquarters
- Salem, AR
- Established
- 1908
- Total assets, Q2 2026
- $261.5M
- Assets vs Q2 2025
- +3.8%
- Tier 1 leverage ratio, Q2 2026
- 12.43%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 082904302
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Salem call report
- Holding company
- SMITH ASSOCIATED BANKING CORPORATION
- Asset rank in state
- 56th of 78 in Arkansas
Problem loans are rising at Bank of Salem. It reported $262 million in assets at June 30, 2026, up 3.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.79% of loans from 0.27% a year earlier. It keeps 4.95 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also earns about $1.96 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Credit is the area to watch: it carries problem assets equal to 9.9% of the capital and reserves that would absorb them, 3.7 times the median of 2.6% for banks its size.
As of June 30, 2026, Bank of Salem reported a return on assets of 1.96%, a nonperforming-loan ratio of 1.79% and a Texas ratio of 9.86%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Salem is the 56th largest of the 78 banks headquartered in Arkansas. From Q1 2026 to Q2 2026, its total assets fell 2.2% to $261.5M, loans rose 0.3% and deposits fell 2.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 47.6% of total loans, ahead of farmland and other real estate loans at 14.7%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in AR; its Salem office books 74% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Salem meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 207 Church St, Salem, AR 72576
- County
- Fulton
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- December 9, 1908
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $227.6M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $256K
- Average total assets
- $263.6M
- Average total loans
- $200.1M
- Average interest-bearing deposits
- $179.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11243
- Fed RSSD
- 931047
- Website
- www.bksalem.net →
- Parent Holding Company
- SMITH ASSOCIATED BANKING CORPORATION (RSSD 1098004)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Salem reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bank of Salem's total assets moved between a low of $178.5M (Q3 2023) and a high of $267.4M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$261.5M total assets against $251.9M; $229.1M total liabilities against $221.8M.
$196.2M net loans and leases against $195.2M; $227.6M total deposits against $220.2M.
$8.1M securities against $9.1M; $43.8M cash and balances due against $34.0M.
$4.5M total interest income against $4.2M; $1.3M total interest expense against $1.4M.
$3.1M net interest income against $2.8M.
$265K total noninterest income against $241K; $1.8M total noninterest expense against $1.6M.
$239K provision for credit losses against $135K.
$1.3M net income against $1.2M.
1.96% return on assets against 1.92%; 4.95% net interest margin against 4.69%.
12.43% tier 1 leverage ratio against 12.19%.
Inside the full Bank of Salem terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Salem rankings
Its closest position to the top of a national ranking is 542 of 3,611, for ROA; its furthest is 2,644 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.65% (Q4 2024) to 2.87% (Q3 2024) and its net interest margin ran from 4.46% (Q4 2024) to 7.76% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.43% | 1.96% | 1.79% | 9.86% | 4.95% |
| Q1 2026 | 12.44% | 2.10% | 1.90% | 10.41% | 4.61% |
| Q4 2025 | 12.54% | 1.88% | 2.09% | 11.84% | 4.60% |
| Q3 2025 | 12.40% | 1.91% | 1.91% | 11.15% | 4.59% |
| Q2 2025 | 12.19% | 1.92% | 0.27% | 1.56% | 4.69% |
| Q1 2025 | 12.43% | 1.94% | 0.18% | 1.09% | 4.46% |
| Q4 2024 | 12.24% | 1.65% | 0.10% | 0.61% | 4.46% |
| Q3 2024 | 14.40% | 2.87% | 0.20% | 1.22% | 7.76% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Salem (main office) | Salem , AR | 72576 | $168.4M |
| Security Branch | Stephens , AR | 71764 | $43.4M |
| Mammoth Spring Bank Branch | Mammoth Spring , AR | 72554 | $10.9M |
| Viola Branch | Viola , AR | 72583 | $5.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 31, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 31, 2024 | Structure Change | Acquired Security Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in AR, rank 69 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $125K approved, $125K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Salem
What are Bank of Salem's total assets?
As of the Q2 2026 filing, Bank of Salem reported total assets of $261.5 million in its FFIEC call report.
Where is Bank of Salem headquartered?
It is headquartered in Salem, AR, United States.
When was Bank of Salem founded?
It was established in 1908, per the FDIC institution directory.
Is Bank of Salem FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11243). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Salem?
Bank of Salem's primary federal regulator is the Federal Reserve.
How many branches does Bank of Salem operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Salem's Texas Ratio?
Its Texas Ratio is 9.86% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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