Bank Comparison
Wnb Financial, N.A. vs Salem Co-operative Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Wnb Financial, N.A. | Salem Co-operative Bank |
|---|---|---|
| CET1 Ratio | — | 18.38% |
| Tier 1 Capital Ratio | — | 18.38% |
| Total Capital Ratio | — | 19.25% |
| Tier 1 Leverage Ratio | 10.54% | 11.76% |
| Equity / Assets | 10.33% | 11.18% |
Profitability
| Metric | Wnb Financial, N.A. | Salem Co-operative Bank |
|---|---|---|
| Return on Assets (ROA) | 0.82% | 0.28% |
| Return on Equity (ROE) | 7.99% | 2.50% |
| Net Interest Margin (NIM) | 3.37% | 2.40% |
| Yield on Earning Assets | 4.68% | 4.74% |
| Cost of Funds | 1.35% | 2.57% |
Asset quality
| Metric | Wnb Financial, N.A. | Salem Co-operative Bank |
|---|---|---|
| Texas Ratio | 2.42% | 1.90% |
| Non-Performing Loan Ratio | 0.34% | 0.27% |
| Non-Performing Asset Ratio | 0.21% | 0.22% |
| Net Charge-Off Ratio | -0.01% | 0.02% |
| ACL / Loans | 1.25% | 0.64% |
Balance sheet
| Metric | Wnb Financial, N.A. | Salem Co-operative Bank |
|---|---|---|
| Total Assets | $569,960K | $570,380K |
| Total Deposits | $499,935K | $403,997K |
| Total Loans | $345,233K | $473,769K |
| Total Equity | $58,900K | $63,788K |
| Net Income (quarter) | $1,174K | $398 |
Liquidity & funding
| Metric | Wnb Financial, N.A. | Salem Co-operative Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 69.06% | 117.27% |
| Core Deposit Ratio | 94.16% | 85.51% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Wnb Financial, N.A. | Salem Co-operative Bank |
|---|---|---|
| Headquarters City | WINONA | SALEM |
| Headquarters State | MN | NH |
| Asset Tier | Medium | Medium |
| Charter Class | 10865 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 7 | 2 |
| Employees (FTE) | 100 | 56 |
| Established | Jan. 1, 1874, midnight | Jan. 1, 1922, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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