FDIC Cert #8063 · North Salem, Indiana · Est. 1923

The North Salem State Bank - FDIC Bank Health Profile

A community-scale look at The North Salem State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$776M
Total assets
A
Health grade · Excellent
1.59%
Return on assets
10.5%
Tier 1 capital

Data updated July 2026

The verdict

The North Salem State Bank earns a PlainBankData health grade of A (85/100), with well-capitalized at 10.54% Tier 1, profitable at 1.59% ROA, efficient (54% cost ratio).

#1,284
largest of 4,313 FDIC banks by assets
70th
percentile by asset size, nationally
10.54%
Tier 1 ratio - above the 10% well-capitalized line
78th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 8063 · IN A · 85/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (85/100)
  • MID-PACK #1340/4307
  • PHOTO-FINISH Crews Bank & Trust · FL
  • TIER1-WELL 10.5% Tier 1
  • TEXAS-CLEAN 0.6% Texas
  • ROA-STRONG 1.59% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: Crews Bank & Trust, FL (±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 The North Salem State Bank

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

Morgan Stanley Bank,… · UT ·…100/100BankNorth · ND · near85/100Crews Bank & Trust · FL · ne…85/100First Financial Bank · OH · …85/100The North Salem Stat… · IN ·…85/100Ultima Bank Minnesota · MN ·…85/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The North Salem State Bank · July 2026

What The North Salem State Bank's Call Report plate shows

The North Salem State Bank (FDIC Cert #8063) carries a PlainBankData health grade of A at 85/100, 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 #1,340 of 4,307. Tier 1 capital prints at 10.54%, clearing the 10% well-capitalized line. The Texas Ratio is 0.56%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.59%. Balance-sheet scale is $776M, 1,284th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Crews Bank & Trust (FL), 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 The North Salem State Bank

3 FAILURE resolutions in Indiana since 2000 (3 since 2008)

The North Salem State Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The North Salem State Bank remains an active FDIC-insured reporter.

  • SCB BANK SHELBYVILLE, IN 2012 → FIRST MERCHANTS BANK, NATIONAL ASSOCIATION
  • INTEGRA BANK NATIONAL ASSOCIATION EVANSVILLE, IN 2011 → OLD NATIONAL BANK
  • IRWIN UNION BANK AND TRUST COMPANY COLUMBUS, IN 2009 → FIRST FINANCIAL BANK, N.A.

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

How The North Salem State Bank's 85/100 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 avg77/10085/100
The North Salem State Bank's composite health score
Tier 1 Capital Ratio (10.54%) 28/40
Return on Assets (ROA) (1.59%) 25/25
Texas Ratio (0.56%) 20/20
Efficiency Ratio (54.19%) 12/15

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

Balance sheet at a glance

Total Assets

$776M

Total balance-sheet footings

Total Deposits

$690M

Customer-funded liabilities

Net Loans

$610M

Outstanding loan book

Net Income

$11M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.14% 10.54% 11.94%
Basel III capital ratios - The North Salem State Bank

Where The North Salem State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The North Salem State Bank's score of 85/100 falls in the highlighted band.

The North Salem State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

85 Top 31% higher than 69% 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%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. The North Salem State 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

The North Salem State 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). The North Salem State Bank's $776M falls in the highlighted band.

Safety ratios for The North Salem State Bank

Tier 1 capital ratio
Well-capitalized 10%

10.54% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.54%
Texas Ratio
0.56%
Equity Capital
$63M

What these ratios mean →

Earnings posture at The North Salem State Bank

Return on Assets (ROA)
78th percentile nationally
1.59%
Return on Equity (ROE)
18.96%
Efficiency Ratio
54.19%

What these mean →

Income & expense at The North Salem State Bank

$44M
Interest Income
$4M
Non-Interest Income
$18M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The North Salem State Bank reports a Texas Ratio of 0.56% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.56% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The North Salem State Bank on FDIC BankFind →

Top banks in Indiana by total assets

Largest banks headquartered in Indiana
  1. 1
    Old National Bank $71.8B

    Evansville, IN · Grade B

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    Centier Bank $9.7B

    Whiting, IN · Grade A

  5. 5
    1st Source Bank $9.1B

    South Bend, IN · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($776M here), outside Indiana so the neighborhood is not state containment.

Franklin Savings Bank $776M · ME Itasca Bank & Trust Co. $777M · IL First Freedom Bank $777M · TN First Central State Bank $775M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The North Salem State Bank (FDIC Cert #8063) - 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.

The North Salem State Bank Call Report profile · FDIC Failed Bank List · Indiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Indiana

All Indiana banks →
BankAssetsGradeROA
Old National BankEvansville $71.8B B 1.16%
Merchants Bank of IndianaCarmel $19.4B A 1.20%
First Merchants BankMuncie $19.0B A 1.27%
Centier BankWhiting $9.7B A 1.67%
1st Source BankSouth Bend $9.1B A 1.84%
German American BankJasper $8.4B A 1.46%
Lake City BankWarsaw $7.0B A 1.61%
Horizon BankMichigan City $6.4B C -1.96%