BlastPoint's Banking Scorecard
Bank of Salem
Salem, AR
5 branches across AR
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in AR.
- Deposits +3.4% year over year ($227.6M on the books).
- Delinquency rate 1.83%.
- Return on assets 2.03%.
- Efficiency ratio 51.56% vs a 64.48% peer average.
- Loan-to-deposit ratio 86.21% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Salem has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.70% above tier average
- + Net Interest Margin 0.88% above tier average
- + Efficiency Ratio 12.92% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.91% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$261.5M
+3.8% YoY
-2.2% QoQ
|
-$125.1M |
$386.6M
+1.2% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
39% |
| Total Loans ? |
$196.2M
+0.5% YoY
+0.3% QoQ
|
-$62.1M |
$258.3M
+1.7% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
47% |
| Total Deposits ? |
$227.6M
+3.4% YoY
-2.5% QoQ
|
-$99.1M |
$326.7M
+0.7% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
40% |
| Return on Assets ? |
2.03%
+5.0% YoY
-3.0% QoQ
|
+0.70% |
1.32%
+10.8% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
Top 12.7% in tier |
| Net Interest Margin ? |
4.87%
+4.4% YoY
+4.1% QoQ
|
+0.88% |
3.99%
+5.0% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
Top 10.5% in tier |
| Efficiency Ratio ? |
51.56%
-4.6% YoY
+3.2% QoQ
|
-12.92% |
64.48%
-3.2% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
80% |
| Delinquency Rate ? |
1.83%
+575.1% YoY
-5.6% QoQ
|
+0.91% |
0.92%
+15.7% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
Bottom 14.3% in tier |
| Loan-to-Deposit Ratio ? |
86.21%
-2.8% YoY
+2.9% QoQ
|
+8.26% |
77.95%
+1.0% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
22.01%
-0.8% YoY
-0.4% QoQ
|
-0.03% |
22.03%
-0.6% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
55% |
| Nonperforming Asset Ratio ? |
1.37%
+553.8% YoY
-3.2% QoQ
|
+0.70% |
0.67%
+16.4% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
Bottom 13.8% in tier |
| Tier 1 Capital Ratio ? |
12.43%
+1.9% YoY
-0.1% QoQ
|
-3.48% |
15.91%
+1.4% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.20%
-3.8% YoY
+106.1% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
50% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.0%
-0.2pp YoY -0.1pp QoQ |
-0.1pp | 22.1% | 19.6% | 22.2% | 54% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.1%
-0.3pp YoY -0.3pp QoQ |
-2.5pp | 11.6% | 12.7% | 12.5% | 47% |
| CRE | n/a | n/a | 39.5% | 41.0% | 41.4% | n/a |
| 1-4 Family |
48.5%
-0.1pp YoY -0.4pp QoQ |
+15.9pp | 32.6% | 28.1% | 31.3% | 81% |
| Consumer |
5.6%
-0.6pp YoY -0.1pp QoQ |
+1.5pp | 4.1% | 4.5% | 5.0% | 80% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
12.4%
+0.2pp YoY 0.0pp QoQ |
+0.3pp | 12.2% | 11.9% | 12.6% | 69% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
48
-1 (-2.0%) YoY -1 (-2.0%) QoQ |
-11 | 58 | 315 | 482 | 50% |
| Assets per Employee ($) |
$5.4M
+6.0% YoY -0.2% QoQ |
-$2.1M | $7.5M | $6.7M | $8.8M | 22% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 25 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY -0.2pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.4% | 7% |
| Nonaccrual |
1.8%
+1.7pp YoY +0.1pp QoQ |
+0.9pp | 0.9% | 1.1% | 1.0% | 86% |
| Allowance Coverage |
1.12x
-83.7% YoY +5.9% QoQ |
-23.04x | 24.15x | 4.69x | 20.23x | 30% |
| Net Charge-off Rate (YTD) |
0.3%
+0.3pp YoY +0.2pp QoQ |
+0.1pp | 0.1% | 0.2% | 0.2% | 88% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.6%
+0.5pp YoY -0.6pp QoQ |
+4.4pp | 12.2% | 12.3% | 11.6% | 76% |
| Cost of Funds (YTD) |
2.2%
-0.2pp YoY 0.0pp QoQ |
+0.5pp | 1.7% | 2.0% | 1.7% | 80% |
| Net Income ($, YTD) |
$2.7M
+11.0% YoY — QoQ |
+$123K | $2.6M | $16.0M | $40.4M | 65% |
Get Full Access to Bank of Salem
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.