FDIC Cert #27824 · Salem, New Hampshire · Est. 1922

Salem Co-operative Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$572M
Total assets
C
Health grade · Fair
-0.04%
Return on assets
17.9%
Tier 1 capital

Data updated July 2026

The verdict

Salem Co-operative Bank earns a PlainBankData health grade of C (60/100), with well-capitalized at 17.94% Tier 1, -0.04% ROA, 102% efficiency ratio.

#1,627
largest of 4,313 FDIC banks by assets
62nd
percentile by asset size, nationally
17.94%
Tier 1 ratio - above the 10% well-capitalized line
5th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 27824 · NH C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3775/4307
  • PHOTO-FINISH Mutual Savings and L… · LA
  • TIER1-WELL 17.9% Tier 1
  • TEXAS-CLEAN 1.9% Texas
  • ROA-LOSS -0.04% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Hampshire: Mutual Savings and Loan Association, LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Salem Co-operative Bank

Lowest and highest poles plus nearest scored peers outside New Hampshire, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Milton Savings Bank · PA · n…60/100Mutual Savings and L… · LA ·…60/100Salem Co-operative B… · NH ·…60/100The Brookville Build… · OH ·…60/100Young Americans Bank · CO · …60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Salem Co-operative Bank · July 2026

Plate reading for Salem Co-operative Bank where failures stay rare

Salem Co-operative Bank (FDIC Cert #27824) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,775 of 4,307. Tier 1 capital prints at 17.94%, clearing the 10% well-capitalized line. The Texas Ratio is 1.88%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.04%. Balance-sheet scale is $572M, 1,627th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Mutual Savings and Loan Association (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Salem Co-operative Bank

Only 1 FAILURE resolution in New Hampshire since 2000

Salem Co-operative Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST ALLIANCE BANK AND TRUST CO MANCHESTER, NH 2001 → SOUTHERN NEW HAMPSHIRE BANK
  • SEACOAST SAVINGS BANK DOVER, NH 1992 → FIRST S&LA OF NEW HAMPSH
  • THE SOMERSWORTH BANK SOMERSWORTH, NH 1992 → NEW DARTMOUTH BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Hampshire banks.

How Salem Co-operative Bank's 60/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10060/100
Salem Co-operative Bank's composite health score
Tier 1 Capital Ratio (17.94%) 40/40
Return on Assets (ROA) (-0.04%) 0/25
Texas Ratio (1.88%) 20/20
Efficiency Ratio (101.52%) 0/15

60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$572M

Total balance-sheet footings

Total Deposits

$400M

Customer-funded liabilities

Net Loans

$476M

Outstanding loan book

Net Income

$-243K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.54% 17.94% 19.34%
Basel III capital ratios - Salem Co-operative Bank

Where Salem Co-operative Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Salem Co-operative Bank's score of 60/100 falls in the highlighted band.

Salem Co-operative Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 12th percentile higher than 12% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Salem Co-operative Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Salem Co-operative Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Salem Co-operative Bank's $572M falls in the highlighted band.

Safety metrics: Salem Co-operative Bank

Tier 1 capital ratio
Well-capitalized 10%

17.94% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.94%
Texas Ratio
1.88%
Equity Capital
$64M

What these ratios mean →

Profitability metrics: Salem Co-operative Bank

Return on Assets (ROA)
5th percentile nationally
-0.04%
Return on Equity (ROE)
-0.39%
Efficiency Ratio
101.52%

What these mean →

Income & expense: loss period at Salem Co-operative Bank

$25M
Interest Income
$868K
Non-Interest Income
$12M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Salem Co-operative Bank reports a Texas Ratio of 1.88% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.88% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Salem Co-operative Bank

Salem Co-operative Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-243K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Salem Co-operative Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Salem Co-operative Bank on FDIC BankFind →

Top banks in New Hampshire by total assets

Largest banks headquartered in New Hampshire
  1. 1
    Mascoma Bank $3.0B

    Lebanon, NH · Grade C

  2. 2
    Bank of New Hampshire $2.7B

    Laconia, NH · Grade B

  3. 3
    Bank of New England $1.8B

    Salem, NH · Grade A

  4. 4
    Meredith Village Savings Bank $1.6B

    Meredith, NH · Grade C

  5. 5
    Merrimack County Savings Bank $1.4B

    Concord, NH · Grade C

Top 5 banks in New Hampshire ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($572M here), outside New Hampshire so the neighborhood is not state containment.

Community State Bank $572M · IN Bay State Savings Bank $572M · MA INSOUTH Bank $573M · TN Eastern Michigan Bank $572M · MI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Salem Co-operative Bank (FDIC Cert #27824) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Salem Co-operative Bank Call Report profile · FDIC Failed Bank List · New Hampshire FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Hampshire

All New Hampshire banks →
BankAssetsGradeROA
Mascoma BankLebanon $3.0B C 0.52%
Bank of New HampshireLaconia $2.7B B 0.92%
Bank of New EnglandSalem $1.8B A 2.28%
Meredith Village Savings BankMeredith $1.6B C 0.43%
Merrimack County Savings BankConcord $1.4B C 0.27%
Franklin Savings BankFranklin $917M B 0.77%
Savings Bank of WalpoleWalpole $839M B 0.78%
Primary BankBedford $723M A 1.62%