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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Salem, AR · FDIC certificate #11243
BANK OF SALEM is an FDIC-insured institution based in Salem, AR (FDIC certificate #11243). In its Q3 2026 Call Report it reported total assets of $260M, total deposits of $226M and net loans of $196M. Its primary federal regulator is FED.
Plain-language readout
BANK OF SALEM has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $267M in Q1 2026 and were lowest at $260M in Q3 2026.
Total deposits were highest at $234M in Q1 2026 and lowest at $226M in Q3 2026.
Over the whole period total assets fell 2.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $260M | $226M | $196M | 2.16% | 17.53% | 4.84% |
| Q2 2026 | $262M | $228M | $196M | 2.03% | 16.59% | 4.87% |
| Q1 2026 | $267M | $234M | $196M | 2.09% | 17.23% | 4.68% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $43.8M | $50.3M | -$6.5M | -13.0% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $8.1M | $8.0M | +$107K | +1.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $196.3M | $195.7M | +$581K | +0.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.5M | $2.5M | -$55K | -2.2% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $669K | $629K | +$40K | +6.4% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $10.2M | $10.3M | -$53K | -0.5% |
| Total assets | $261.5M | $267.4M | -$5.9M | -2.2% |
| Liabilities | ||||
| Total deposits | $227.6M | $233.6M | -$6.0M | -2.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.5M | $1.4M | +$52K | +3.7% |
| Total liabilities | $229.1M | $235.0M | -$5.9M | -2.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $27K | $27K | $0K | 0.0% |
| Surplus | $2.5M | $2.5M | $0K | 0.0% |
| Retained earnings | $30.2M | $30.3M | -$103K | -0.3% |
| Accumulated other comprehensive income | -$353K | -$449K | +$96K | +21.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $32.4M | $32.4M | -$7K | -0.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.6M | $3.8M | -$202K | -5.3% |
| Adjusted nonperforming assets | $3.6M | $3.8M | -$202K | -5.3% |
| Tangible equity plus allowance | $36.4M | $36.4M | +$4K | +0.0% |
| Texas ratio (gross) | 9.86% | 10.41% | -0.56 pts | See points |
| Texas ratio (adjusted) | 9.86% | 10.41% | -0.56 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 9.86% | 10.41% | -0.56 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.43% | 12.44% | -0.01 pts | See points |
| Construction and land loans to total capital | 36.21% | 35.42% | +0.79 pts | See points |
| Commercial real estate to total capital | 41.28% | 40.52% | +0.76 pts | See points |
| Dividend payout, year to date | 85.88% | 65.35% | +20.54 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.08% | -1.37% | +0.29 pts | See points |
| Liquidity | ||||
| Core deposits | $190.3M | $193.3M | -$3.0M | -1.6% |
| Non-core funding | $37.4M | $40.3M | -$2.9M | -7.2% |
| Loans to core deposits | 105.26% | 103.30% | +1.96 pts | See points |
| Loans to deposits | 87.97% | 85.48% | +2.49 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.70% | -0.70 pts | See points |
| Pledged securities share of securities | 81.77% | 80.58% | +1.19 pts | See points |
| Loans pledged, share of loans | 44.16% | 46.23% | -2.07 pts | See points |
| Volatile liabilities | $37.4M | $40.3M | -$2.9M | -7.2% |
| Earnings | ||||
| Earnings before provision, year to date | $3.2M | $1.6M | +$1.6M | +100.1% |
| Earnings before provision, single quarter | $1.6M | $1.6M | +$2K | +0.1% |
| Provision for credit losses, year to date | $353K | $114K | +$239K | +209.6% |
| Yield and cost | ||||
| Yield on loans and leases | 8.02% | 7.65% | +0.37 pts | See points |
| Yield on interest-bearing balances due from banks | 3.67% | 3.59% | +0.08 pts | See points |
| Total interest income to average assets | 6.76% | 6.47% | +0.29 pts | See points |
| Cost of interest-bearing transaction accounts | 1.44% | 1.40% | +0.04 pts | See points |
| Cost of savings and money market deposits | 0.63% | 0.63% | +0.00 pts | See points |
| Cost of time deposits | 3.79% | 3.80% | -0.01 pts | See points |
| Total interest expense to average assets | 2.04% | 2.08% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $260M | $226M | $196M | 2.16% | 17.53% | 4.84% |
| 2026-06-30 | $262M | $228M | $196M | 2.03% | 16.59% | 4.87% |
| 2026-03-31 | $267M | $234M | $196M | 2.09% | 17.23% | 4.68% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AR | $220.2M | 0.21% | 70 | Continuing · +0.05 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.