🏦Bank Scorer

THE NORTH SALEM STATE BANK

NORTH SALEM, IN · Supervised by FDIC

Est. 1923FDIC #8,063RSSD: FDIC-8063
Part ofNORTH SALEM STATE BCORP THE→ View all charters
Satisfactory Same

Current rating · Exam: February 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.62%

Institution Profile

FDIC BankFind

Address

7 N Broadway St, NORTH SALEM, IN

County

Hendricks County

Established

July 14, 1923

Total Assets

$775M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$775M

Total Deposits

$687M

Net Loans

$610M

Net Income

$3M

ROA

1.62%

ROE

19.59%

Risk-Based Capital

12.40%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate1.73%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$623M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202417393.06%1.73%
202314387.41%4.20%
202214192.91%4.96%
202117093.53%1.76%
202014482.64%3.47%
201911688.79%1.72%
201810083%7.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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