🏦Bank Scorer

SALEM CO-OPERATIVE BANK

SALEM, NH · Supervised by FDIC

Est. 1922FDIC #27,824RSSD: FDIC-27824
Satisfactory Same

Current rating · Exam: September 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.28%

Institution Profile

FDIC BankFind

Address

3 S Broadway, SALEM, NH

County

Rockingham County

Established

January 1, 1922

Total Assets

$570M(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

September 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$570M

Total Deposits

$404M

Net Loans

$471M

Net Income

$398K

ROA

0.28%

ROE

2.50%

Risk-Based Capital

19.25%

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 Rate22.36%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$388M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202416163.98%22.36%
202321265.57%14.15%
202221773.27%11.98%
202126173.95%10.73%
202026263.74%17.56%
201926559.62%23.02%
201827364.84%18.68%

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

3 previous ratings locked — dating back to 2014

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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