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Salem Co-operative Bank

$100M-$1B Specialty: Commercial NH FDIC cert 27824

Designations: ✓ Mutual

Salem, NH

2 branches across MA · NH

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 11 in NH.
  • Deposits +4.6% year over year ($405.9M on the books).
  • Delinquency rate 0.26%.
  • Return on assets 0.25%.
  • Efficiency ratio 84.66% vs a 64.48% peer average.
  • Loan-to-deposit ratio 119.00% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 11 in NH
View $100M-$1B leaderboard (NH) →

Salem Co-operative Bank has 1 strength but faces 5 concerns

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

  • + Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 8.3% in tier
  • - Liquidity Overhang: Bottom 16.2% in tier
  • - Return on Assets 1.07% below tier average
  • - Net Interest Margin 1.54% below tier average
  • - Efficiency Ratio 20.18% above tier average
Get updates when Salem Co-operative Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Total Assets ? $580.0M
+1.5% YoY +1.7% QoQ
+$193.4M $386.6M
+1.2% YoY
$985.9M
+4.5% YoY
$6.3B
+7.7% YoY
79%
Total Loans ? $483.0M
+3.1% YoY +2.6% QoQ
+$224.6M $258.3M
+1.7% YoY
$784.0M
+4.1% YoY
$3.2B
+9.4% YoY
Top 13.1% in tier
Total Deposits ? $405.9M
+4.6% YoY +0.5% QoQ
+$79.1M $326.7M
+0.7% YoY
$821.8M
+4.3% YoY
$4.9B
+7.3% YoY
71%
Return on Assets ? 0.25%
+183.3% YoY -8.5% QoQ
-1.07% 1.32%
+10.8% YoY
2.60%
+26.0% YoY
1.30%
+12.1% YoY
Bottom 6.5% in tier
Net Interest Margin ? 2.45%
+27.7% YoY -0.6% QoQ
-1.54% 3.99%
+5.0% YoY
3.32%
+9.1% YoY
3.95%
+4.9% YoY
Bottom 2.6% in tier
Efficiency Ratio ? 84.66%
-30.5% YoY +1.2% QoQ
+20.18% 64.48%
-3.2% YoY
72.35%
-12.1% YoY
70.05%
+2.5% YoY
Bottom 9.3% in tier
Delinquency Rate ? 0.26%
-40.8% YoY -0.4% QoQ
-0.66% 0.92%
+15.7% YoY
0.71%
+32.8% YoY
0.98%
+16.3% YoY
61%
Loan-to-Deposit Ratio ? 119.00%
-1.4% YoY +2.1% QoQ
+41.05% 77.95%
+1.0% YoY
86.43%
-0.1% YoY
79.03%
+2.3% YoY
Bottom 1.5% in tier
Non-Interest-Bearing Deposit Share ? 12.82%
+0.7% YoY -3.2% QoQ
-9.21% 22.03%
-0.6% YoY
14.23%
-1.6% YoY
21.98%
-0.6% YoY
17%
Nonperforming Asset Ratio ? 0.22%
-39.8% YoY +0.5% QoQ
-0.45% 0.67%
+16.4% YoY
0.64%
+37.8% YoY
0.69%
+15.8% YoY
59%
Tier 1 Capital Ratio ? 18.04%
-0.4% YoY -1.8% QoQ
+2.13% 15.91%
+1.4% YoY
18.41%
-3.0% YoY
17.09%
+0.8% YoY
81%
Non-Interest Income / Assets ? 0.08%
+7.5% YoY +113.4% QoQ
-0.49% 0.57%
+7.6% YoY
2.02%
+14.2% YoY
0.66%
+5.2% YoY
Bottom 11.9% in tier

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 (NH) National Avg Tier Percentile
Noninterest-Bearing 12.8%
+0.1pp YoY
-0.4pp QoQ
 -9.3pp 22.1% 15.1% 22.2% 16%
Brokered Deposits 0.2%
-2.5pp YoY
-0.1pp QoQ
 -7.7pp 7.9% 8.0% 8.5% 7%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
C&I 3.2%
-0.7pp YoY
-0.1pp QoQ
 -8.4pp 11.6% 10.5% 12.5% 11%
CRE 29.1%
+6.2pp YoY
+1.4pp QoQ
 -10.5pp 39.5% 41.5% 41.4% 33%
1-4 Family 64.6%
-2.5pp YoY
-0.6pp QoQ
 +32.0pp 32.6% 44.6% 31.3% 92%
Consumer 3.8%
-3.0pp YoY
-0.7pp QoQ
 -0.3pp 4.1% 4.8% 5.0% 68%

Capital

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
CET1 Ratio 18.0%
-0.1pp YoY
-0.3pp QoQ
 -0.8pp 18.8% 14.5% 19.7% 69%
Leverage Ratio 11.9%
+0.3pp YoY
+0.1pp QoQ
 -0.3pp 12.2% 16.7% 12.6% 63%
Total Capital Ratio 18.9%
-0.1pp YoY
-0.3pp QoQ
 -1.0pp 19.9% 15.6% 20.8% 68%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Full-Time Employees 52
-2 (-3.7%) YoY
-4 (-7.1%) QoQ
 -7 58 117 482 56%
Assets per Employee ($) $11.2M
+5.4% YoY
+9.5% QoQ
 +$3.6M $7.5M $8.6M $8.8M 90%
Branch Count 2
0 YoY
0 QoQ
 -3 4 7 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.0% 0.4% n/a
Nonaccrual 0.3%
-0.2pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 35%
Allowance Coverage 2.47x
+70.4% YoY
-1.1% QoQ
 -21.69x 24.15x 5.03x 20.23x 53%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 62%

Profitability

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
ROE 2.3%
+5.1pp YoY
-0.2pp QoQ
 -9.9pp 12.2% 7.7% 11.6% 7%
Cost of Funds (YTD) 2.4%
-0.4pp YoY
0.0pp QoQ
 +0.7pp 1.7% 1.7% 1.7% 86%
Net Income ($, YTD) $732,000
+183.8% YoY
— QoQ
 -$1.8M $2.6M $4.7M $40.4M 17%

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 (2)

Flatlined Growth

risk
#45 of 529 • Bottom 8.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.25%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#121 of 742 • Bottom 16.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 18.04%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 119.00%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

348
Total Loans
size
Value: $482.98M
Peer Median: $258.35M
#348 of 2643 Top 13.1% in $100M-$1B
501
Tier 1 Capital Ratio
capital
Value: 18.04%
Peer Median: 15.91%
#501 of 2643 Top 18.9% in $100M-$1B
560
Total Assets
size
Value: $580.00M
Peer Median: $386.57M
#560 of 2643 Top 21.2% in $100M-$1B

Top Weaknesses (6 metrics)

2605
Loan-to-Deposit Ratio
liquidity
Value: 119.00%
Peer Median: 77.95%
#2605 of 2643 Bottom 1.5% in $100M-$1B
2574
Net Interest Margin
profitability
Value: 2.45%
Peer Median: 3.99%
#2574 of 2643 Bottom 2.6% in $100M-$1B
2471
Return on Assets
profitability
Value: 0.25%
Peer Median: 1.32%
#2471 of 2643 Bottom 6.5% in $100M-$1B
2399
Efficiency Ratio
profitability
Value: 84.66%
Peer Median: 64.48%
#2399 of 2643 Bottom 9.3% in $100M-$1B
2329
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2329 of 2643 Bottom 11.9% in $100M-$1B
2200
Non-Interest-Bearing Deposit Share
funding
Value: 12.82%
Peer Median: 22.03%
#2200 of 2643 Bottom 16.8% in $100M-$1B
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