BlastPoint's Banking Scorecard
The North Salem State Bank
Community
Specialty: Commercial
IN
FDIC cert 8063
North Salem, IN
1484
banks in Community tier nationally
29 in IN
View Community leaderboard (IN) →
The North Salem State Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 14% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$776.3M
+18.7% YoY
+6.9% QoQ
|
-$615.2M |
$1.4B
+2.0% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$609.7M
+13.6% YoY
+3.6% QoQ
|
-$365.7M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$689.9M
+18.5% YoY
+7.6% QoQ
|
-$474.7M |
$1.2B
+1.7% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
1.59%
+7.0% YoY
-3.4% QoQ
|
+0.42% |
1.16%
+17.2% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
4.41%
+4.3% YoY
-0.3% QoQ
|
+0.75% |
3.66%
+9.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
85% |
| Efficiency Ratio ? |
54.19%
-3.7% YoY
+3.2% QoQ
|
-8.44% |
62.63%
-5.3% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.07%
-87.5% QoQ
|
-0.56% |
0.63%
+18.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
Top 14% in tier |
| Loan-to-Deposit Ratio ? |
88.39%
-4.1% YoY
-3.7% QoQ
|
+5.32% |
83.06%
+0.3% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
25.27%
+3.5% YoY
-1.8% QoQ
|
+4.22% |
21.05%
-0.9% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.05%
-87.9% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
Top 14% in tier |
| Tier 1 Capital Ratio ? |
10.54%
-0.7% YoY
-4.3% QoQ
|
+0.30% |
10.24%
-0.6% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.50%
-15.7% YoY
+35.5% QoQ
|
-0.24% |
0.74%
-1.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#51 of 371 · Top 14% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.07%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (1)
Credit Quality Pressure
risk
#98 of 808 · Bottom 12% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.07%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
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
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
86
86th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
85
85th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.66%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%
74
74th pctile
Efficiency Ratio
Current: 54.19% · Tier avg: 62.63%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.27% · Tier avg: 21.05%
47
47th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
42
42th pctile
Total Loans
Current: $609.7M · Tier avg: $975.5M
40
40th pctile
Loan-to-Deposit Ratio
Current: 88.39% · Tier avg: 83.06%
37
37th pctile
Total Deposits
Current: $689.9M · Tier avg: $1.2B
34
34th pctile
Total Assets
Current: $776.3M · Tier avg: $1.4B
33
33th pctile
Tier 1 Capital Ratio
Current: 10.54% · Tier avg: 10.24%
Top Weaknesses
33
33th pctile
Tier 1 Capital Ratio
Current: 10.54% · Tier avg: 10.24%
34
34th pctile
Total Assets
Current: $776.3M · Tier avg: $1.4B
37
37th pctile
Total Deposits
Current: $689.9M · Tier avg: $1.2B
40
40th pctile
Loan-to-Deposit Ratio
Current: 88.39% · Tier avg: 83.06%
42
42th pctile
Total Loans
Current: $609.7M · Tier avg: $975.5M
47
47th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.27% · Tier avg: 21.05%
74
74th pctile
Efficiency Ratio
Current: 54.19% · Tier avg: 62.63%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%
85
85th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.66%
86
86th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%