The North Salem State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The North Salem State Bank of North Salem, IN against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.63% | 1.34% | +0.29% | 70th above |
| ROAE | 19.24% | 13.32% | +5.92% | 84th top |
| Net Interest Margin | 4.19% | 3.93% | +0.26% | 64th above |
| Efficiency Ratio | 52.46% | 61.14% | -8.68% | 76th top |
| PPNR / Avg Assets | 2.16% | 1.68% | +0.48% | 78th top |
| Yield on Earning Assets | 6.28% | 5.67% | +0.61% | 80th top |
| Cost of Funds | 2.24% | 1.88% | +0.36% | 24th bottom |
| Net Interest Spread | 3.26% | 3.32% | -0.06% | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.28% | 0.94% | -0.66% | 59th above |
| NPA / Total Assets | 0.23% | 0.70% | -0.47% | 57th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.65% | 1.28% | +0.37% | 85th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 596.02% | 1546.89% | -950.87% | 74th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.39% | 7.34% | -1.95% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.60% | 19.49% | -7.89% | 13th bottom |
| Tier 1 Ratio | 11.60% | 19.53% | -7.93% | 13th bottom |
| Total Capital Ratio | 12.85% | 20.61% | -7.76% | 15th bottom |
| Leverage Ratio | 8.98% | 12.14% | -3.16% | 12th bottom |
| Equity / Assets | 9.03% | 11.37% | -2.34% | 28th below |
| TCE / Tangible Assets | 8.85% | 11.09% | -2.24% | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.23% | 80.65% | +10.58% | 26th below |
| Core Deposit Ratio | 89.70% | 86.85% | +2.85% | 53rd above |
| Wholesale Funding Ratio | 0.65% | 5.04% | -4.39% | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.38% | 6.84% | +2.54% | 81st top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.82% | 7.92% | -1.10% | 59th above |
| Deposit Growth (Y/Y) | 10.37% | 6.29% | +4.08% | 84th top |
See The North Salem State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The North Salem State 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 The North Salem State Bank profile, how to read a UBPR, or how this data updates.