Bank of Salem: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 4.02 percentage points lower than in Q1 2026, at 111.80%. Within Arkansas, Bank of Salem is 12th of 78 on return on assets, 1.96% as of Q2 2026, above the middle of the field. Bank of Salem's return on assets of 1.96% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.70 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.43% |
| Equity capital to assets | 12.39% |
| Tangible equity to tangible assets | 12.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.79% |
| Non-performing assets ratio | 1.37% |
| Net charge-off ratio | 0.45% |
| Texas ratio | 9.86% |
| Allowance for credit losses to loans | 2.00% |
| Reserve coverage of non-performing loans | 111.80% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.96% |
| Return on equity | 15.92% |
| Net interest margin | 4.95% |
| Efficiency ratio | 52.97% |
| Yield on earning assets | 7.08% |
| Cost of funds | 2.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.97% |
| Core deposits to total deposits | 83.58% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.05% |
| Securities to assets | 3.11% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.57% | 1.97% | 4.20% | 0.47% | -0.01% |
| Q4 2023 | 11.65% | 1.35% | 4.33% | 0.28% | 0.02% |
| Q1 2024 | 11.99% | 2.42% | 4.92% | 0.16% | -0.20% |
| Q2 2024 | 11.70% | 1.79% | 4.32% | 0.17% | -0.01% |
| Q3 2024 | 14.40% | 2.87% | 7.76% | 0.13% | 0.12% |
| Q4 2024 | 12.24% | 1.65% | 4.46% | 0.13% | 0.03% |
| Q1 2025 | 12.43% | 1.94% | 4.46% | 0.21% | -0.01% |
| Q2 2025 | 12.19% | 1.92% | 4.69% | 0.15% | 0.01% |
| Q3 2025 | 12.40% | 1.91% | 4.59% | 1.90% | -0.00% |
| Q4 2025 | 12.54% | 1.88% | 4.60% | 2.07% | 0.05% |
| Q1 2026 | 12.44% | 2.10% | 4.61% | 1.73% | 0.06% |
| Q2 2026 | 12.43% | 1.96% | 4.95% | 1.79% | 0.45% |
Bank of Salem vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Salem, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Salem profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11243) · FFIEC NIC profile (RSSD 931047)