BlastPoint's Banking Scorecard
Bank of Salem
Salem, MO
2 branches across MO
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 140 in MO.
- Deposits +3.5% year over year ($132.9M on the books).
- Delinquency rate 0.71%.
- Return on assets 1.20%.
- Efficiency ratio 61.19% vs a 64.48% peer average.
- Loan-to-deposit ratio 68.77% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Salem has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.29% below tier average
- + Delinquency Rate 0.20% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 24.7% in tier
- - ROA 0.12% below tier average
- - Net Interest Margin 0.53% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$147.0M
+4.0% YoY
-0.1% QoQ
|
-$239.6M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 13.2% in tier |
| Total Loans ? |
$91.4M
+1.1% YoY
+2.8% QoQ
|
-$167.0M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
15% |
| Total Deposits ? |
$132.9M
+3.5% YoY
-0.2% QoQ
|
-$193.8M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
16% |
| Return on Assets ? |
1.20%
+33.1% YoY
+12.8% QoQ
|
-0.12% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
47% |
| Net Interest Margin ? |
3.46%
+9.4% YoY
+1.2% QoQ
|
-0.53% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
26% |
| Efficiency Ratio ? |
61.19%
-7.5% YoY
-1.8% QoQ
|
-3.29% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
54% |
| Delinquency Rate ? |
0.71%
-0.5% YoY
+7.7% QoQ
|
-0.20% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
68.77%
-2.4% YoY
+3.0% QoQ
|
-9.18% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
16.80%
-6.3% YoY
-2.9% QoQ
|
-5.23% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.44%
-3.2% YoY
-13.9% QoQ
|
-0.22% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
9.53%
-38.8% YoY
-42.4% QoQ
|
-6.38% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 5.2% in tier |
| Non-Interest Income / Assets ? |
0.20%
+1.7% YoY
+118.7% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
0.58%
+5.8% 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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.8%
-1.1pp YoY -0.5pp QoQ |
-5.3pp | 22.1% | 20.9% | 22.2% | 31% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.9%
-0.9pp YoY -0.2pp QoQ |
-8.6pp | 11.6% | 12.3% | 12.5% | 10% |
| CRE | n/a | n/a | 39.5% | 36.8% | 41.4% | n/a |
| 1-4 Family |
59.8%
+1.9pp YoY +0.7pp QoQ |
+27.2pp | 32.6% | 31.9% | 31.3% | 90% |
| Consumer |
5.9%
-0.7pp YoY -0.1pp QoQ |
+1.8pp | 4.1% | 4.1% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
9.5%
+0.4pp YoY +0.3pp QoQ |
-2.6pp | 12.2% | 11.6% | 12.6% | 22% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
25
-1 (-3.8%) YoY 0 QoQ |
-34 | 58 | 162 | 482 | 19% |
| Assets per Employee ($) |
$5.9M
+8.2% YoY -0.1% QoQ |
-$1.6M | $7.5M | $8.0M | $8.8M | 31% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.7%
0.0pp YoY +0.1pp QoQ |
-0.2pp | 0.9% | 0.8% | 1.0% | 63% |
| Allowance Coverage |
1.04x
0.0% YoY -9.8% QoQ |
-23.11x | 24.15x | 10.47x | 20.23x | 28% |
| Net Charge-off Rate (YTD) |
0.0%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 33% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.2%
+1.9pp YoY +1.5pp QoQ |
+2.0pp | 12.2% | 14.3% | 11.6% | 63% |
| Cost of Funds (YTD) |
1.5%
-0.3pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.8% | 1.7% | 37% |
| Net Income ($, YTD) |
$877,000
+34.9% YoY — QoQ |
-$1.7M | $2.6M | $11.3M | $40.4M | 23% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.