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
Unfavorable gap of $3.0M · efficiency ratio beats 91% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.62% | 0.83% | 1.18% | 1.44% | Beats 84% | 11 / 69 | | |
| Return on Equity | 14.71% | 7.64% | 11.70% | 15.70% | Beats 70% | 21 / 69 | | |
| Net Interest Margin | 3.84% | 3.45% | 3.75% | 3.96% | Beats 59% | 28 / 69 | | |
| Efficiency Ratio | 48.23% | 55.32% | 62.99% | 70.80% | Beats 91% | 7 / 69 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.18% | 0.52% | 1.14% | Beats 100% | 6 / 69 | | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.02% | 0.06% | Beats 41% | 42 / 69 | | |
| Capital |
| Tier 1 Capital Ratio | 23.15% | 11.33% | 13.58% | 16.27% | Beats 87% | 9 / 69 | | |
| Total Risk-Based Capital Ratio | 23.94% | 11.55% | 14.43% | 17.27% | Beats 87% | 9 / 69 | | |
| Equity / Assets | 11.02% | 8.31% | 9.91% | 12.53% | Beats 61% | 27 / 69 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.78% | 71.40% | 81.07% | 88.03% | 48th pctl | 36 / 69 | | |
| Loans / Assets | 61.86% | 61.10% | 68.66% | 76.68% | 28th pctl | 50 / 69 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |