BlastPoint's Banking Scorecard
Salem Co-operative Bank
Designations: ✓ Mutual
Salem, NH
2 branches across MA · NH
Salem Co-operative Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 1.2% in tier
- - Liquidity Overhang: Bottom 14.5% in tier
- - Liquidity Strain: Bottom 47.0% in tier
- - Return on Assets 0.99% below tier average
- - Net Interest Margin 1.47% below tier average
- - Efficiency Ratio 18.34% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$570.4M
-0.9% YoY
-0.3% QoQ
|
+$184.3M |
$386.1M
+0.5% YoY
|
$977.6M
+5.3% YoY
|
$6.2B
+9.1% YoY
|
78% |
| Total Loans ? |
$470.7M
+0.1% YoY
-1.1% QoQ
|
+$215.0M |
$255.7M
+1.1% YoY
|
$770.5M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
Top 13.7% in tier |
| Total Deposits ? |
$404.0M
+5.6% YoY
+1.1% QoQ
|
+$76.0M |
$328.0M
+0.1% YoY
|
$822.1M
+5.6% YoY
|
$4.8B
+8.2% YoY
|
70% |
| Return on Assets ? |
0.28%
+144.0% YoY
+757.3% QoQ
|
-0.99% |
1.27%
+12.9% YoY
|
2.50%
+26.1% YoY
|
1.23%
+13.4% YoY
|
Bottom 7.4% in tier |
| Net Interest Margin ? |
2.46%
+34.7% YoY
+18.1% QoQ
|
-1.47% |
3.93%
+6.0% YoY
|
3.31%
+10.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 2.9% in tier |
| Efficiency Ratio ? |
83.63%
-43.6% YoY
-17.6% QoQ
|
+18.34% |
65.29%
-4.5% YoY
|
72.72%
-15.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.4% in tier |
| Delinquency Rate ? |
0.26%
-41.0% YoY
-1.4% QoQ
|
-0.63% |
0.89%
+18.8% YoY
|
0.86%
+40.0% YoY
|
0.95%
+18.8% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
116.52%
-5.2% YoY
-2.2% QoQ
|
+39.88% |
76.64%
+0.8% YoY
|
86.08%
-1.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 1.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.23%
+2.1% YoY
+6.6% QoQ
|
-8.79% |
22.02%
-1.0% YoY
|
13.95%
-6.5% YoY
|
22.01%
-1.2% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.21%
-40.4% YoY
-2.2% QoQ
|
-0.42% |
0.64%
+19.7% YoY
|
0.71%
+38.7% YoY
|
0.67%
+19.3% YoY
|
58% |
| Tier 1 Capital Ratio ? |
18.38%
+2.6% YoY
+2.4% QoQ
|
+2.55% |
15.83%
+1.5% YoY
|
18.81%
-1.3% YoY
|
17.06%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.04%
+5.5% YoY
-76.2% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
1.05%
+15.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 11.3% in tier |
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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 (3)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.