Bank Comparison
Bank of Dade vs Salyersville National Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 9
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Bank of Dade | Salyersville National Bank, the |
|---|---|---|
| CET1 Ratio | 16.21% | 24.84% |
| Tier 1 Capital Ratio | 16.21% | 24.84% |
| Total Capital Ratio | 17.46% | 25.72% |
| Tier 1 Leverage Ratio | 9.21% | 14.02% |
| Equity / Assets | 6.21% | 10.93% |
Profitability
| Metric | Bank of Dade | Salyersville National Bank, the |
|---|---|---|
| Return on Assets (ROA) | 2.74% | 1.49% |
| Return on Equity (ROE) | 42.72% | 14.51% |
| Net Interest Margin (NIM) | 4.80% | 3.85% |
| Yield on Earning Assets | 5.46% | 5.02% |
| Cost of Funds | 0.72% | 1.35% |
Asset quality
| Metric | Bank of Dade | Salyersville National Bank, the |
|---|---|---|
| Texas Ratio | 0.38% | 1.46% |
| Non-Performing Loan Ratio | 0.03% | 0.00% |
| Non-Performing Asset Ratio | 0.02% | 0.17% |
| Net Charge-Off Ratio | 0.03% | 0.00% |
| ACL / Loans | 1.31% | 0.84% |
Balance sheet
| Metric | Bank of Dade | Salyersville National Bank, the |
|---|---|---|
| Total Assets | $160,627K | $161,180K |
| Total Deposits | $150,095K | $122,547K |
| Total Loans | $94,533K | $93,555K |
| Total Equity | $9,974K | $17,615K |
| Net Income (quarter) | $1,129K | $632 |
Liquidity & funding
| Metric | Bank of Dade | Salyersville National Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 62.98% | 76.34% |
| Core Deposit Ratio | 96.40% | 82.86% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Dade | Salyersville National Bank, the |
|---|---|---|
| Headquarters City | TRENTON | SALYERSVILLE |
| Headquarters State | GA | KY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 8905 |
| Regulator | FDIC | OCC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 33 | 25 |
| Established | Jan. 12, 1956, midnight | Oct. 10, 1902, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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