PackageTrendsPeer
Letter portraitLegal landscape

Salyersville National Bank, The

Salyersville, KY · Cert 2723 · SNB Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KY3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KY (n=69). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

78

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

91

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Salyersville National Bank, The

Salyersville, KY · Cert 2723 · SNB Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

$163.5MAssets
$101.1MLoans
$125.2MDeposits
$18.0MEquity
Loan mix
95%RE $88.8M3%C&I $2.7M2%Consumer $1.8MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $92.7M26%Noninterest $32.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.64%, up 7 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 0.00% of loans (-17 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 14.24%, up 81 bps from a year ago.
  • Funding: loans stand at 80.78% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.64%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.84%+14 bps YoY

Efficiency Ratio (YTD, annualized)

48.23%-144 bps YoY

Tier 1 Leverage Ratio

14.24%+81 bps YoY

NIM

4.53%Q2 ’244.89%Q2 ’254.96%Q2 ’26+9%+4%

Non-interest income vs. expense

1.95%Q2 ’241.91%Q2 ’251.92%Q2 ’26-1%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.35%1.37%1.49%1.56%1.60%1.58%1.57%1.64%+7 bps
Return on Equity14.05%14.45%15.79%16.37%16.37%15.80%14.51%15.04%-132 bps
Net Interest Margin3.41%3.32%3.58%3.70%3.72%3.74%3.73%3.84%+14 bps
Efficiency Ratio54.12%53.70%51.01%49.67%49.02%50.30%49.42%48.23%-144 bps
Non-Interest Burden1.77%1.71%1.75%1.76%1.75%1.81%1.76%1.77%+1 bps
Growth
Asset Growth (YoY)6.59%13.50%6.98%12.42%8.56%4.52%4.40%3.00%-942 bps
Loan Growth (YoY)3.61%-0.76%12.75%14.01%14.49%14.35%9.07%12.25%-176 bps
Deposit Growth (YoY)8.78%20.70%10.92%13.37%9.04%2.98%3.52%2.64%-1,073 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.05%0.00%0.17%0.27%0.11%0.00%0.00%-17 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.00%0.00%0.00%0.06%+6 bps
Allowance / Loans0.97%1.00%0.92%0.87%0.84%0.88%0.84%0.75%-13 bps
Allowance Coverage of NPLsn/a19.2xn/a5.1x3.1x7.8xn/an/an/a
Capital
Tier 1 Leverage Ratio13.80%13.27%13.30%13.43%13.57%13.66%14.02%14.24%+81 bps
Total Risk-Based Capital25.08%26.04%25.24%24.12%23.80%24.62%25.72%23.94%-18 bps
Equity / Assets10.32%9.12%9.75%9.81%10.51%10.70%10.93%11.02%+121 bps
Liquidity & Funding
Loans / Deposits73.06%66.37%72.45%73.86%76.71%73.70%76.34%80.78%+692 bps
Liquid Assets / Assets10.93%15.59%11.65%11.46%10.11%12.78%11.62%8.42%-303 bps
CRE / Total Capitaln/an/an/an/a279%273%287%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Salyersville National Bank, The

Salyersville, KY · Cert 2723 · Peer group: banks under $1B in assets in KY (n=69) · SNB Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

$163.5MAssets
$101.1MLoans
$125.2MDeposits
$18.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KY (rank 6 of 69).
  • Widest gap: net charge-offs / loans trails 59% of banks under $1B in assets in KY (rank 42 of 69).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.62%

Rank 11 of 69

Net Interest Margin

3.84%

Rank 28 of 69

Efficiency Ratio

48.23%

Rank 7 of 69

Equity / Assets

11.02%

Rank 27 of 69

Non-interest income vs. expense

$0.3M$3.3MINCOMEEXPENSE
Unfavorable gap of $3.0M · efficiency ratio beats 91% of banks under $1B in assets in KY
Bank 48.23%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.62%0.83%1.18%1.44%Beats 84%11 / 69
Return on Equity14.71%7.64%11.70%15.70%Beats 70%21 / 69
Net Interest Margin3.84%3.45%3.75%3.96%Beats 59%28 / 69
Efficiency Ratio48.23%55.32%62.99%70.80%Beats 91%7 / 69
Asset Quality
Nonperforming Loans / Loans0.00%0.18%0.52%1.14%Beats 100%6 / 69
Net Charge-Offs / Loans0.03%0.01%0.02%0.06%Beats 41%42 / 69
Capital
Tier 1 Capital Ratio23.15%11.33%13.58%16.27%Beats 87%9 / 69
Total Risk-Based Capital Ratio23.94%11.55%14.43%17.27%Beats 87%9 / 69
Equity / Assets11.02%8.31%9.91%12.53%Beats 61%27 / 69
Liquidity & Funding
Loans / Deposits80.78%71.40%81.07%88.03%48th pctl36 / 69
Loans / Assets61.86%61.10%68.66%76.68%28th pctl50 / 69
Brokered Deposits / Depositsn/aNot reported for this institution