The North Salem State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 13.3% higher than in Q1 2026, at -$3.7M. Within Indiana, The North Salem State Bank is 40th of 50 on CET1 ratio, 11.60% as of Q2 2026, below the middle of the field. The North Salem State Bank reported 11.60% on CET1 ratio for Q2 2026, 3.47 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.60% |
| Tier 1 risk-based capital ratio | 11.60% |
| Total risk-based capital ratio | 12.85% |
| Tier 1 leverage ratio | 8.98% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $71.7M |
| Tier 1 capital | $71.7M |
| Total risk-based capital | $79.4M |
| Total equity capital | $69.5M |
| Risk-weighted assets | $618.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.03% |
| Tangible equity to tangible assets | 8.85% |
| Equity capital to average assets | 8.68% |
| Internal capital growth rate | 19.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $120K |
| Common stock surplus | $5.1M |
| Retained earnings | $68.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.40% | 10.40% | 11.66% | 8.46% | $488.5M |
| Q4 2023 | 10.71% | 10.71% | 11.97% | 8.53% | $489.5M |
| Q1 2024 | 10.52% | 10.52% | 11.78% | 8.74% | $521.0M |
| Q2 2024 | 10.55% | 10.55% | 11.81% | 8.74% | $531.4M |
| Q3 2024 | 10.37% | 10.37% | 11.63% | 8.60% | $534.2M |
| Q4 2024 | 10.62% | 10.62% | 11.87% | 8.87% | $543.1M |
| Q1 2025 | 10.45% | 10.45% | 11.71% | 8.96% | $568.8M |
| Q2 2025 | 10.69% | 10.69% | 11.95% | 8.73% | $582.5M |
| Q3 2025 | 11.02% | 11.02% | 12.27% | 9.16% | $592.8M |
| Q4 2025 | 10.54% | 10.54% | 11.80% | 8.54% | $618.2M |
| Q1 2026 | 11.14% | 11.14% | 12.40% | 8.81% | $613.8M |
| Q2 2026 | 11.60% | 11.60% | 12.85% | 8.98% | $618.1M |
The North Salem State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The North Salem State Bank, freeSource: Call Report Schedule RC-R, 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 The North Salem State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8063) · FFIEC NIC profile (RSSD 947749)