BlastPoint's Banking Scorecard
Salem Co-operative Bank
Community
Specialty: Commercial
NH
FDIC cert 27824
Designations: ✓ Mutual
Salem, NH
1484
banks in Community tier nationally
11 in NH
View Community leaderboard (NH) →
Salem Co-operative Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 11% in Community
- - Return on Assets 1.21% below tier
- - Net Interest Margin 1.58% below tier
- - Efficiency Ratio 38.89% above tier
- - Non-Interest Income / Assets 0.59% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$572.2M
+0.9% YoY
-1.3% QoQ
|
-$819.2M |
$1.4B
+2.0% YoY
|
$968.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$476.1M
+0.3% YoY
-0.3% QoQ
|
-$499.4M |
$975.5M
+2.4% YoY
|
$770.7M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$399.7M
+9.6% YoY
-1.4% QoQ
|
-$765.0M |
$1.2B
+1.7% YoY
|
$810.3M
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
-0.04%
+91.9% YoY
+71.4% QoQ
|
-1.21% |
1.16%
+17.2% YoY
|
0.55%
+25.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
2.08%
+25.0% YoY
+3.7% QoQ
|
-1.58% |
3.66%
+9.1% YoY
|
3.15%
+8.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
101.52%
-28.2% YoY
-6.4% QoQ
|
+38.89% |
62.63%
-5.3% YoY
|
77.31%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.26%
-19.4% YoY
+3.0% QoQ
|
-0.37% |
0.63%
+18.3% YoY
|
0.32%
-21.7% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
119.13%
-8.5% YoY
+1.1% QoQ
|
+36.07% |
83.06%
+0.3% YoY
|
92.47%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.42%
-6.6% YoY
-5.3% QoQ
|
-8.63% |
21.05%
-0.9% YoY
|
14.27%
-6.0% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.22%
-42.5% YoY
+4.0% QoQ
|
-0.28% |
0.50%
+20.3% YoY
|
0.15%
-56.3% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
17.94%
-1.6% YoY
+0.7% QoQ
|
+7.69% |
10.24%
-0.6% YoY
|
8.40%
-10.8% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.15%
-9.3% YoY
+37.4% QoQ
|
-0.59% |
0.74%
-1.3% YoY
|
0.38%
-6.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Liquidity Overhang
risk
#30 of 268 · Bottom 11% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
17.94%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
119.13%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Return on Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
-0.04%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 2%
in Community
Why this stands out
Current:
2.08%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
101.52%
(Tier avg: 62.63%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.15%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Tier 1 Capital Ratio
Current: 17.94% · Tier avg: 10.24%
64
64th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
27
27th pctile
Total Loans
Current: $476.1M · Tier avg: $975.5M
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.42% · Tier avg: 21.05%
11
11th pctile
Total Assets
Current: $572.2M · Tier avg: $1.4B
6
6th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
3
3th pctile
Return on Assets
Current: -0.04% · Tier avg: 1.16%
2
2th pctile
Net Interest Margin
Current: 2.08% · Tier avg: 3.66%
2
2th pctile
Loan-to-Deposit Ratio
Current: 119.13% · Tier avg: 83.06%
1
1th pctile
Efficiency Ratio
Current: 101.52% · Tier avg: 62.63%
1
1th pctile
Total Deposits
Current: $399.7M · Tier avg: $1.2B
Top Weaknesses
1
1th pctile
Total Deposits
Current: $399.7M · Tier avg: $1.2B
1
1th pctile
Efficiency Ratio
Current: 101.52% · Tier avg: 62.63%
2
2th pctile
Loan-to-Deposit Ratio
Current: 119.13% · Tier avg: 83.06%
2
2th pctile
Net Interest Margin
Current: 2.08% · Tier avg: 3.66%
3
3th pctile
Return on Assets
Current: -0.04% · Tier avg: 1.16%
6
6th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
11
11th pctile
Total Assets
Current: $572.2M · Tier avg: $1.4B
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.42% · Tier avg: 21.05%
27
27th pctile
Total Loans
Current: $476.1M · Tier avg: $975.5M
62
62th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
64
64th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
89
89th pctile
Tier 1 Capital Ratio
Current: 17.94% · Tier avg: 10.24%