Mid-Southern Savings Bank, F.S.B.: Peer Group Comparison
BankRegReports is independent of Mid-Southern Savings Bank, F.S.B. and never asks for online banking logins or passwords.
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mid-Southern Savings Bank, F.S.B. of Salem, IN against its peer group of 2799 similarly-sized US banks as of Q1 2025. The peer group is every US bank in the same asset tier (banks with $100M to $1B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.42% | 1.02% | +0.40% | 72nd better half |
| ROAE | 9.45% | 10.71% | -1.26% | 42nd worse half |
| Net Interest Margin | 3.89% | 3.55% | +0.34% | 67th better half |
| Efficiency Ratio | 59.78% | 65.49% | -5.71% | 33rd better half |
| PPNR / Avg Assets | 1.71% | 1.28% | +0.43% | 73rd better half |
| Yield on Earning Assets | 4.86% | 5.37% | -0.51% | 28th |
| Cost of Funds | 0.80% | 1.97% | -1.17% | 5th best quarter |
| Net Interest Spread | 2.82% | 2.87% | -0.05% | 47th worse half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 0.34% | -0.10% | 42nd better half |
| NPA / Total Assets | 0.13% | 0.25% | -0.12% | 37th better half |
| NCO / Avg Loans | 0.01% | 0.00% | +0.01% | 59th worse half |
| ACL / Total Loans | 1.43% | 1.20% | +0.23% | 73rd |
| ACL / NPLs (Coverage) | 603.92% | 267.72% | +336.20% | 70th better half |
| Texas Ratio | 0.83% | 2.29% | -1.46% | 31st better half |
| Provision / NCO | -2300.00% | 132.30% | -2432.30% | — |
| CRE / Total Capital | 83.82% | 122.39% | -38.57% | 35th better half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Leverage Ratio | 15.55% | 10.70% | +4.85% | 90th best quarter |
| Equity / Assets | 15.32% | 9.65% | +5.67% | 92nd best quarter |
| TCE / Tangible Assets | 15.32% | 9.41% | +5.91% | 92nd best quarter |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 67.42% | 78.44% | -11.02% | 30th |
| Core Deposit Ratio | 91.83% | 89.28% | +2.55% | 65th better half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.16% | 4.05% | -9.21% | 6th |
| Loan Growth (Y/Y) | -10.04% | 5.35% | -15.39% | 2nd |
| Deposit Growth (Y/Y) | -5.46% | 4.71% | -10.17% | 4th |
See Mid-Southern Savings Bank, F.S.B.'s peers by name
The 2799 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Mid-Southern Savings Bank, F.S.B. profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Mid-Southern Savings Bank, F.S.B. peer analysis.