BlastPoint's Banking Scorecard
Bank of Salem
Salem, MO
2 branches across MO
Bank of Salem has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.98% below tier average
- + Delinquency Rate 0.22% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Net Interest Margin 0.52% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$147.2M
+2.7% YoY
+1.6% QoQ
|
-$238.9M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 13.5% in tier |
| Total Loans ? |
$88.9M
-2.8% YoY
-1.6% QoQ
|
-$166.8M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
15% |
| Total Deposits ? |
$133.2M
+3.4% YoY
+1.2% QoQ
|
-$194.8M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
16% |
| Return on Assets ? |
1.06%
+20.0% YoY
+28.6% QoQ
|
-0.21% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
42% |
| Net Interest Margin ? |
3.42%
+9.6% YoY
+6.9% QoQ
|
-0.52% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
27% |
| Efficiency Ratio ? |
62.31%
-5.5% YoY
-10.0% QoQ
|
-2.98% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
53% |
| Delinquency Rate ? |
0.66%
-7.4% YoY
-4.0% QoQ
|
-0.22% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
66.78%
-6.0% YoY
-2.8% QoQ
|
-9.86% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
17.31%
-4.4% YoY
+7.1% QoQ
|
-4.71% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.52%
+12.9% YoY
-5.9% QoQ
|
-0.12% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
37% |
| Tier 1 Capital Ratio ? |
16.53%
+9.9% YoY
+5.7% QoQ
|
+0.70% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.09%
-3.3% YoY
-76.3% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
47% |
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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.