BlastPoint's Banking Scorecard

The Salyersville National Bank

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

Salyersville, KY

2 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in 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

+ Credit Quality Leader: Top 43.2% in tier
+ ROA 0.30% above tier average
+ Net Interest Margin 0.16% above tier average
+ Efficiency Ratio 15.86% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 21.4% in tier

Get updates when The Salyersville National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$161.2M +4.4% YoY +0.2% QoQ	-$224.9M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	17%
Total Loans ?	$92.8M +9.2% YoY +4.0% QoQ	-$162.9M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	17%
Total Deposits ?	$122.5M +3.5% YoY +0.4% QoQ	-$205.4M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	Bottom 12.7% in tier
Return on Assets ?	1.57% +5.4% YoY -0.5% QoQ	+0.30%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	71%
Net Interest Margin ?	4.09% +2.6% YoY -2.4% QoQ	+0.16%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	62%
Efficiency Ratio ?	49.42% -3.1% YoY -1.7% QoQ	-15.86%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	Top 14.9% in tier
Delinquency Rate ?	0.00% -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	75.70% +5.4% YoY +3.6% QoQ	-0.94%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	56%
Non-Interest-Bearing Deposit Share ?	24.14% -1.9% YoY +3.9% QoQ	+2.12%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	63%
Nonperforming Asset Ratio ?	0.17% +2.5% QoQ	-0.47%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	63%
Tier 1 Capital Ratio ?	24.84% +2.2% YoY +4.6% QoQ	+9.01%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	Top 6.7% in tier
Non-Interest Income / Assets ?	0.04% -2.8% YoY -71.1% QoQ	-0.24%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	15%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Credit Quality Leader

growth

#288 of 664 • Top 43.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ

Concerns (1)

Liquidity Overhang

risk

#159 of 739 • Bottom 21.4% 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: 24.84%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 75.70%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

179

Tier 1 Capital Ratio

capital

Value: 24.84%

Peer Median: 15.83%

#179 of 2664 Top 6.7% in $100M-$1B

398

Efficiency Ratio

profitability

Value: 49.42%

Peer Median: 65.29%

#398 of 2664 Top 14.9% in $100M-$1B

Top Weaknesses (4 metrics)

2328

Total Deposits

size

Value: $122.55M

Peer Median: $327.97M

#2328 of 2664 Bottom 12.7% in $100M-$1B

2257

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2257 of 2664 Bottom 15.3% in $100M-$1B

2215

Total Loans

size

Value: $92.77M

Peer Median: $255.72M

#2215 of 2664 Bottom 16.9% in $100M-$1B

2200

Total Assets

size

Value: $161.18M

Peer Median: $386.08M

#2200 of 2664 Bottom 17.5% in $100M-$1B