Total Assets
$572M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$400M
Customer-funded liabilities
Net Loans
$476M
Outstanding loan book
Net Income
$-243K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
5th percentile nationally
-0.04%
Return on Equity (ROE)
-0.39%
Efficiency Ratio
101.52%
What the numbers say about Salem Co-operative Bank
Salem Co-operative Bank is an FDIC-insured institution (Certificate #27824) headquartered in Salem, New Hampshire, established in 1922. It holds $572M in total assets - 1,627th of 4,313 FDIC-insured banks, $400M in customer deposits, and $476M in net loans. Looking at capital strength, Tier 1 stands at 17.94%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.88%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (60/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within New Hampshire, Salem Co-operative Bank ranks 11th of 17 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in New Hampshire by total assets
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.
Other banks in New Hampshire
All New Hampshire banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Salem Co-operative Bank's health grade?▼
Salem Co-operative Bank receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Salem Co-operative Bank?▼
Salem Co-operative Bank holds $572M in total assets and $400M in deposits, ranking 1,627th of 4,313 FDIC-insured banks by asset size. It is headquartered in Salem, New Hampshire.
Is my money safe at Salem Co-operative Bank?▼
Yes, deposits at Salem Co-operative Bank (Certificate #27824) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Salem Co-operative Bank's Tier 1 Capital Ratio?▼
Salem Co-operative Bank has a Tier 1 Capital Ratio of 17.94%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Salem Co-operative Bank?▼
Salem Co-operative Bank has a Texas Ratio of 1.88%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Salem Co-operative Bank?▼
Salem Co-operative Bank has an Efficiency Ratio of 101.52%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Salem Co-operative Bank's profile as a depositor or analyst.
- Salem Co-operative Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Salem Co-operative Bank against other New Hampshire banks before moving funds. New Hampshire banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.