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Bank of Salem

$100M-$1B Specialty: Other AR FDIC cert 11243

Salem, AR

5 branches across AR

2664 banks in the $100M-$1B peer group nationally 50 in AR
View $100M-$1B leaderboard (AR) →

Bank of Salem has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.82% above tier average
  • + Net Interest Margin 0.75% above tier average
  • + Efficiency Ratio 15.33% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 1.05% above tier average
Get updates when Bank of Salem releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $267.4M
+6.6% YoY +1.4% QoQ
-$118.7M $386.1M
+0.5% YoY
$2.3B
+2.8% YoY
$6.2B
+9.1% YoY
40%
Total Loans ? $195.7M
+0.1% YoY -1.9% QoQ
-$60.0M $255.7M
+1.1% YoY
$1.7B
+6.4% YoY
$3.2B
+10.8% YoY
47%
Total Deposits ? $233.6M
+6.5% YoY +1.4% QoQ
-$94.4M $328.0M
+0.1% YoY
$1.9B
+3.0% YoY
$4.8B
+8.2% YoY
41%
Return on Assets ? 2.09%
+8.5% YoY +10.1% QoQ
+0.82% 1.27%
+12.9% YoY
1.34%
+14.2% YoY
1.23%
+13.4% YoY
Top 10.5% in tier
Net Interest Margin ? 4.68%
+3.4% YoY +0.7% QoQ
+0.75% 3.93%
+6.0% YoY
4.08%
+8.2% YoY
3.89%
+5.7% YoY
Top 13.6% in tier
Efficiency Ratio ? 49.95%
-8.2% YoY -8.2% QoQ
-15.33% 65.29%
-4.5% YoY
61.77%
-4.8% YoY
66.95%
-4.1% YoY
84%
Delinquency Rate ? 1.94%
+934.9% YoY -9.2% QoQ
+1.05% 0.89%
+18.8% YoY
1.02%
+24.4% YoY
0.95%
+18.8% YoY
Bottom 13.2% in tier
Loan-to-Deposit Ratio ? 83.76%
-6.0% YoY -3.2% QoQ
+7.13% 76.64%
+0.8% YoY
80.49%
+1.3% YoY
76.70%
+0.9% YoY
38%
Non-Interest-Bearing Deposit Share ? 22.10%
+4.6% YoY +7.3% QoQ
+0.08% 22.02%
-1.0% YoY
19.62%
+0.8% YoY
22.01%
-1.2% YoY
55%
Nonperforming Asset Ratio ? 1.42%
+872.0% YoY -12.1% QoQ
+0.78% 0.64%
+19.7% YoY
0.79%
+32.8% YoY
0.67%
+19.3% YoY
Bottom 12.7% in tier
Tier 1 Capital Ratio ? 12.44%
+0.1% YoY -0.8% QoQ
-3.39% 15.83%
+1.5% YoY
13.59%
+0.0% YoY
17.06%
+0.8% YoY
40%
Non-Interest Income / Assets ? 0.10%
-14.4% YoY -76.1% QoQ
-0.18% 0.28%
+9.3% YoY
0.18%
-3.1% YoY
0.32%
+4.1% YoY
50%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

281
Return on Assets
profitability
Value: 2.09%
Peer Median: 1.27%
#281 of 2664 Top 10.5% in $100M-$1B
362
Net Interest Margin
profitability
Value: 4.68%
Peer Median: 3.93%
#362 of 2664 Top 13.6% in $100M-$1B
426
Efficiency Ratio
profitability
Value: 49.95%
Peer Median: 65.29%
#426 of 2664 Top 16.0% in $100M-$1B

Top Weaknesses (2 metrics)

2327
Nonperforming Asset Ratio
credit_quality
Value: 1.42%
Peer Median: 0.64%
#2327 of 2664 Bottom 12.7% in $100M-$1B
2304
Delinquency Rate
credit_quality
Value: 1.94%
Peer Median: 0.89%
#2304 of 2654 Bottom 13.2% in $100M-$1B
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