# BANK OF SALEM
SALEM, MO · FDIC certificate 14349 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $147.0M | |
| Deposits | $132.9M | |
| Loans and leases | $92.1M | |
| Total equity | $12.7M | |
| Loans / deposits | 68.77% (p43 of band) | 73.59% |
| Liquid assets / assets | 32.81% (p50 of band) | |
| Uninsured deposits / deposits | 38.38% (p91 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.68% (p51 of band) | |
| FHLB advances / assets | 0.68% | |
| Tier 1 leverage | 9.53% (p18 of band) | 11.76% |
| Unrealized securities loss / equity | -13.46% (p33 of band) | -6.57% |
| AOCI / equity | -0.67% (p37 of band) | |
| ROA (annualized) | 1.20% (p52 of band) | 1.17% |
| Net interest margin | 3.46% (p27 of band) | 3.93% |
| Efficiency ratio | 61.19% (p38 of band) | |
| Noncurrent loans | 0.71% (p63 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p54 of band) | |
| Reserve coverage of noncurrent | 104.13% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 17.06% (p49 of band) | |
| Auto loans | $4.3M (4.62% of loans; DQ 1.48%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 25 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2014-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | deposits shrinking |  |
| 2020-06 | 1 |  | deposits shrinking |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | reserve under noncurrent |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 3 | reserve under noncurrent |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | reserve under noncurrent |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 1 | charge-offs p90 | capital falling |
| 2025-06 | 0 |  | charge-offs p90 |
| 2025-09 | 1 | assets shrinking |  |
| 2025-12 | 0 |  | assets shrinking |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-12 [2025 AMP Women in Banking - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiaEFVX3lxTE81Sm13alpKZWpKWWFwNEpEdWtIVDZqYUxLQ2hNb2VVWDFUWDdiVUlxZUxLaTlrNHZEOHJucHlxMDlhX3F1ZjBTbW4weG4xdWpXSFd2NTJCNHlSXzJhM0dSV1RLNUZkN3Az?oc=5) · Arkansas Money &amp; Politics
- 2024-12-17 [Fire destroys a sheltered workshop in Salem, Mo.; could keep burning for days - KY3](https://news.google.com/rss/articles/CBMifkFVX3lxTE5ZcEJLZXNhRlNiS0FPMjJON3BvUDVRTWstemY5S3NmNTh1aTFKMFlfcnA1OGFlbUg4MkFVcmlKb1EwdW0xT2lRb1AyaE41X0xZZm9HdGtIa3RWWFZ5a1cxQjRjSkhhbC1iOXAwYTlpcEZocEVHSXN0blRSV29pdw?oc=5) · KY3
- 2026-03-10 [Community vigil, services planned for Salem teen - White River Now](https://news.google.com/rss/articles/CBMikwFBVV95cUxNYzVQQjVkdjQ0NUxEMEFNZzBwNFRMNmZCZGlRQnRKbE5XTG5LSFE3Q0NzemRmRmtqcjUyLUZvZTVOa3VCRmJ3ejJKcV9TNE9zTW1RSWo2dXg4TEVRbS12VlFGWmhBRXkxSFljajZpVzNzOWd3MmI5ekkxYmhRbDB3NV8xUDhOQ3F6SE4tUk11RmhEX1k?oc=5) · White River Now
- 2025-09-29 [Arkansas Bank Deposits Jump 4.7%, Outpacing U.S. Growth - Arkansas Business](https://news.google.com/rss/articles/CBMimgFBVV95cUxPUk10a2o5ZXRrRzBnVDhQQkpEUnlaaHB3Sk5DNGZnRWFIT1JjUEdzMWpsamNaSTVKMVBKRHFTai1EUUw5QVF3VFZhTVZSNzhCUzh0VVRmdGc5ZFp1NHFPQlFnTUxpRDNrN21iRTdsM2N5Y2hmUzJ6VTlsakp3b2dtYmc0NkZFTHY0aTd1VFNmOWx5VmhuN3pDM3JB?oc=5) · Arkansas Business
- 2024-05-09 [The Roanoke Valley in the wild, rollicking (and occasionally drunken) 1950s - Roanoke Times](https://news.google.com/rss/articles/CBMikgFBVV95cUxPMVZqclM4RVYxUzNhWmRTeWFoMHBRMUtWNGM3VnU2TkJYTXBtZnNYMHQwaGkyUGU3Ynl0SjFFRVdlOFdRME80Zk56RS1SSndKVUpfcjhHbEx2b3haTEJyTUc2WVFzUDNJV2JFYlNTamZHLWJiY1pRNDl1VjcwSzZvRXNBLXJSNlY0QU5FNUdoSHo1Zw?oc=5) · Roanoke Times
- 2026-03-10 [James Paul Crowe Obituary (2026) - Salem, AR - Barker Funeral Home - Salem - Legacy obituary](https://news.google.com/rss/articles/CBMif0FVX3lxTE0xQlU3dmg0cGdDaVkxTEhyZmJ1NVJMb3Yxb2djZlZrcHUyUmVCS1NzTlhNYVRBNlNBNzJ5NW9KNVBHaW5NOEhLVkVkU2ZDSDJzaklldmpUNnBNTWQ2YWtrU3BlMGx1RlFWcUR4M2lIQ0xWSjBJQWdQX2ZiU2cwQVU?oc=5) · Legacy obituary
- 2022-03-01 [Miss Salem pageant returns to stage Saturday - thesalemnewsonline](https://news.google.com/rss/articles/CBMikAFBVV95cUxQUUlhM0xGY2k3cGF1NUFQNlN1WUJzTW1yWHhoZ3FiWDlRZ1BfTlY3ZnZRQzQ4cFdmOE1rNGhORmc3MXJ4WjhKSnBDVi1aMmltSVVrY2VxZFZZelFYQzlMbzV0X3VkbjFrdjctLWtCTE1aenZ1RGgxRTVwcmdIM19saW15NFVzc2ZMUVVmbk1leEU?oc=5) · thesalemnewsonline
- 2020-08-11 [Betty Capel Scott, Salem, Ohio - WKBN.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOWmRDRnd1WU1nNVF3azhvQ0g5T3VKc2RFTHE1M3FvYUhMbEU3WjViNnB6akthNlNqcWp6R25NMFRYUjM5U3hRTi02SjhpaFpLNTNKR3FhMUxFS081SGozY19PSVktcXQwWDBYNWhHd2RzWS1pYS1xdVhuTEd4M3V3dTMzRjBKYkc3aHNzczJnODZZQVVYT01GQXRzUllEUdIBowFBVV95cUxNZ0U0Zk8xWXo0RDFoMVoyUExUT2pBZ1RxdlE3VnItQk1idFNYYnpYd3lJQUxtWHk3YVdiUWlnZnhDeExDRDNWcHRSLXBIRktTRjdPUVFrNmdTeEJnTERkSUotM2t6OExBc1pCWlpsRGFVMk9WSUxKNDlvd2FNNURZampCaGdNMUFBb1FxXzhneXFVRFBWdnNaRjZVdENxM1pLUDdJ?oc=5) · WKBN.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14349 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/13.json (key "14349", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide