Mid-Southern Savings Bank, FSB
Salem, IN
IDRSSD: 857875
Total Assets
$227.97M
Latest filing
Total Deposits
$192.14M
Latest filing
Net Interest Margin
4.09%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1891 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 47167 |
| State and County Number | 18175 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 33 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Louisville-Jefferson County, KY-IN |
Operational Info
| Number of Employees | 36 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 09/30/2025 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 30133 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $227.97M |
| Total Deposits | $192.14M |
| Total Liabilities | $193.05M |
| Total Equity Capital | $34.92M |
| Net Income | $815.00k |
| Net Loans and Leases | $127.70M |
| Assets Per Employee ($Millions) | $6.33M |
| Bank Premises and Fixed Assets | $1.85M |
| Cash and Balances due from Depository Institutions | $83.07M |
| Deposits Held in Domestic Offices | $192.14M |
Key Performance Ratios
| Return on Assets (ROA) | 1.44% |
| Return on Equity (ROE) | 9.45% |
| Net Interest Margin | 4.09% |
| Efficiency Ratio | 60.02% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.317% |
| Earning Assets to total Assets | 95.17% |
Income and Expense
| Total Interest Income | $2.75M |
| Total Noninterest Income | $249.00k |
| Total Interest Expense | $551.00k |
| Total Noninterest Expense | $1.47M |
| Net Interest Income | $2.20M |
| Pre-tax Net Operating Income | $1.05M |
| Provision for Credit Losses | $-69,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $912.00k |
| Total Liabilities and Capital | $227.97M |
Securities
| Securities | $7.34M |
| Available-for-sale debt securities | $7.34M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $8.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Mid-Southern Savings Bank, FSB?
$227.97M as of the latest filing.
How much are Mid-Southern Savings Bank, FSB's total deposits?
$192.14M in total deposits.
Where is Mid-Southern Savings Bank, FSB located?
Salem, IN.
What is the Net Interest Margin?
4.09%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1891.
What is the Return on Assets (ROA)?
1.44%.
How much are total loans and leases?
$127.70M (latest filing).
What is the total interest income (latest filing)?
$2.75M.