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The Salyersville National Bank

$100M-$1B Specialty: Commercial KY FDIC cert 2723

Salyersville, KY

2 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits +2.6% year over year ($125.2M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.64%.
  • Efficiency ratio 48.23% vs a 64.48% peer average.
  • Loan-to-deposit ratio 80.17% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

The Salyersville National Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.92% below tier average
  • + ROA 0.31% above tier average
  • + Net Interest Margin 0.20% above tier average
  • + Efficiency Ratio 16.25% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 23.3% in tier
Get updates when The Salyersville National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $163.5M
+3.0% YoY +1.4% QoQ
-$223.1M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
18%
Total Loans ? $100.4M
+12.4% YoY +8.2% QoQ
-$158.0M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
19%
Total Deposits ? $125.2M
+2.6% YoY +2.2% QoQ
-$201.5M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
Bottom 13.7% in tier
Return on Assets ? 1.64%
+4.6% YoY +4.3% QoQ
+0.31% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
73%
Net Interest Margin ? 4.18%
+2.1% YoY +2.4% QoQ
+0.20% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
64%
Efficiency Ratio ? 48.23%
-2.9% YoY -2.4% QoQ
-16.25% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
Top 13.5% in tier
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 80.17%
+9.5% YoY +5.9% QoQ
+2.22% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
49%
Non-Interest-Bearing Deposit Share ? 25.93%
-4.1% YoY +7.4% QoQ
+3.90% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
69%
Nonperforming Asset Ratio ? 0.07%
-31.9% YoY -60.3% QoQ
-0.60% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
76%
Tier 1 Capital Ratio ? 23.15%
-0.3% YoY -6.8% QoQ
+7.25% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
Top 8.8% in tier
Non-Interest Income / Assets ? 0.08%
+0.2% YoY +85.6% QoQ
-0.49% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
Bottom 12.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 25.9%
-1.1pp YoY
+1.8pp QoQ
 +3.8pp 22.1% 23.5% 22.2% 69%
Brokered Deposits n/a n/a 7.9% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 3.7%
+0.1pp YoY
+0.7pp QoQ
 -7.9pp 11.6% 8.6% 12.5% 13%
CRE 71.7%
+1.9pp YoY
-1.9pp QoQ
 +32.1pp 39.5% 37.1% 41.4% 94%
1-4 Family 23.0%
-1.9pp YoY
+1.4pp QoQ
 -9.6pp 32.6% 41.6% 31.3% 37%
Consumer 1.8%
0.0pp YoY
-0.2pp QoQ
 -2.3pp 4.1% 4.8% 5.0% 44%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 23.1%
-0.1pp YoY
-1.7pp QoQ
 +4.3pp 18.8% 20.2% 19.7% 86%
Leverage Ratio 14.2%
+0.8pp YoY
+0.2pp QoQ
 +2.1pp 12.2% 14.0% 12.6% 83%
Total Capital Ratio 23.9%
-0.2pp YoY
-1.8pp QoQ
 +4.0pp 19.9% 21.3% 20.8% 85%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 23
+1 (+4.5%) YoY
-2 (-8.0%) QoQ
 -36 58 105 482 15%
Assets per Employee ($) $7.1M
-1.5% YoY
+10.3% QoQ
 -$409K $7.5M $6.3M $8.8M 54%
Branch Count 2
0 YoY
0 QoQ
 -3 4 8 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 7.45x 20.23x n/a
Net Charge-off Rate (YTD) 0.1% -0.1pp 0.1% 0.1% 0.2% 70%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 15.0%
-1.3pp YoY
+0.5pp QoQ
 +2.8pp 12.2% 13.3% 11.6% 68%
Cost of Funds (YTD) 1.2%
-0.1pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.7% 1.7% 20%
Net Income ($, YTD) $1.3M
+8.8% YoY
— QoQ
 -$1.2M $2.6M $5.1M $40.4M 36%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk
#174 of 742 • Bottom 23.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 23.15%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 80.17%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
233
Tier 1 Capital Ratio
capital
Value: 23.15%
Peer Median: 15.91%
#233 of 2643 Top 8.8% in $100M-$1B
358
Efficiency Ratio
profitability
Value: 48.23%
Peer Median: 64.48%
#358 of 2643 Top 13.5% in $100M-$1B
629
Nonperforming Asset Ratio
credit_quality
Value: 0.07%
Peer Median: 0.67%
#629 of 2643 Top 23.8% in $100M-$1B

Top Weaknesses (4 metrics)

2316
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2316 of 2643 Bottom 12.4% in $100M-$1B
2282
Total Deposits
size
Value: $125.21M
Peer Median: $326.73M
#2282 of 2643 Bottom 13.7% in $100M-$1B
2174
Total Assets
size
Value: $163.51M
Peer Median: $386.57M
#2174 of 2643 Bottom 17.8% in $100M-$1B
2141
Total Loans
size
Value: $100.38M
Peer Median: $258.35M
#2141 of 2643 Bottom 19.0% in $100M-$1B
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