Side-by-side · Q2 2026 data
Bank of Salem vs First Independent Bank
Metric by metric
| Measure | Bank of Salem | First Independent Bank |
|---|---|---|
| TellerScore | 65 | 74 (stronger) |
| Capital cushion | 45 | 66 (stronger) |
| Loan quality | 76 (stronger) | 67 |
| Earnings | 68 | 70 (stronger) |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 90 (stronger) | 88 |
| Peer percentile | 29th | 57th |
| Total assets | $147.0M | $147.6M |
| Deposits / shares | $132.9M | $131.4M |
| Capital ratio | 9.53% | 11.63% (stronger) |
| Problem loans | 0.71% (stronger) | 1.00% |
| Net charge-offs | 0.00% (stronger) | 0.10% |
| Return on assets | 1.20% | 1.24% (stronger) |
| Loans ÷ deposits | 68.8% | 55.5% (stronger) |
| Uninsured deposits | 38.4% | 5.8% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Independent Bank has the higher TellerScore (74 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Bank of Salem leads on 2 and First Independent Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.