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Letter portraitLegal landscapeQuarterYTD

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 1.71%, up 6 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 0.00% of loans (-17 bps YoY), with net charge-offs at 0.12%.
  • 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 (quarter, annualized)

1.71%+6 bps YoY

Net Interest Margin (quarter, annualized)

3.94%+10 bps YoY

Efficiency Ratio (quarter, annualized)

47.09%-133 bps YoY

Tier 1 Leverage Ratio

14.24%+81 bps YoY

NIM

4.60%Q2 ’245.01%Q2 ’255.06%Q2 ’26+10%+3%

Non-interest income vs. expense

1.95%Q2 ’241.93%Q2 ’251.92%Q2 ’26+0%0%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%1.44%1.49%1.65%1.68%1.50%1.57%1.71%+6 bps
Return on Equity14.48%14.88%15.79%16.82%16.53%14.10%14.51%15.56%-126 bps
Net Interest Margin3.58%3.54%3.58%3.84%3.88%3.86%3.73%3.94%+10 bps
Efficiency Ratio52.86%52.53%51.01%48.42%47.79%53.99%49.42%47.09%-133 bps
Non-Interest Burden1.82%1.79%1.75%1.79%1.79%2.03%1.76%1.78%-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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.12%+12 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