Salem Co-Operative Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Salem Co-Operative Bank of Salem, NH against its peer group of 2672 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 | 0.23% | 1.34% | -1.11% | 7th bottom |
| ROAE | 2.09% | 13.32% | -11.23% | 7th bottom |
| Net Interest Margin | 2.41% | 3.93% | -1.52% | 3rd bottom |
| Efficiency Ratio | 85.56% | 61.13% | +24.43% | 9th bottom |
| PPNR / Avg Assets | 0.35% | 1.68% | -1.33% | 6th bottom |
| Yield on Earning Assets | 4.71% | 5.67% | -0.96% | 14th bottom |
| Cost of Funds | 2.53% | 1.88% | +0.65% | 14th bottom |
| Net Interest Spread | 1.93% | 3.32% | -1.39% | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 0.94% | -0.68% | 60th above |
| NPA / Total Assets | 0.22% | 0.70% | -0.48% | 58th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 25th below |
| ACL / Total Loans | 0.63% | 1.28% | -0.65% | 5th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 246.71% | 1539.47% | -1292.76% | 54th above |
| Texas Ratio | 1.86% | 7.33% | -5.47% | 64th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 202.33% | 1396.51% | -1194.18% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.04% | 19.50% | -1.46% | 69th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.04% | 19.54% | -1.50% | 69th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.90% | 20.62% | -1.72% | 68th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.89% | 12.14% | -0.25% | 63rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.02% | 11.37% | -0.35% | 60th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.02% | 11.09% | -0.07% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 119.76% | 80.62% | +39.14% | 1st bottom |
| Core Deposit Ratio | 85.75% | 86.86% | -1.11% | 33rd below |
| Wholesale Funding Ratio | 17.74% | 5.02% | +12.72% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.46% | 6.86% | -5.40% | 29th below |
| Loan Growth (Y/Y) | 3.10% | 7.91% | -4.81% | 37th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.55% | 6.29% | -1.74% | 54th above |
See Salem Co-Operative Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Salem Co-Operative 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 Salem Co-Operative Bank profile, how to read a UBPR, or how this data updates.