Bank Comparison
Brady National Bank, the vs Salyersville National Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 16
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Brady National Bank, the | Salyersville National Bank, the |
|---|---|---|
| CET1 Ratio | 18.42% | 24.84% |
| Tier 1 Capital Ratio | 18.42% | 24.84% |
| Total Capital Ratio | 19.68% | 25.72% |
| Tier 1 Leverage Ratio | 9.78% | 14.02% |
| Equity / Assets | 8.33% | 10.93% |
Profitability
| Metric | Brady National Bank, the | Salyersville National Bank, the |
|---|---|---|
| Return on Assets (ROA) | 1.24% | 1.49% |
| Return on Equity (ROE) | 15.40% | 14.51% |
| Net Interest Margin (NIM) | 3.15% | 3.85% |
| Yield on Earning Assets | 4.74% | 5.02% |
| Cost of Funds | 1.69% | 1.35% |
Asset quality
| Metric | Brady National Bank, the | Salyersville National Bank, the |
|---|---|---|
| Texas Ratio | 0.41% | 1.46% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.04% | 0.17% |
| Net Charge-Off Ratio | 0.02% | 0.00% |
| ACL / Loans | 1.57% | 0.84% |
Balance sheet
| Metric | Brady National Bank, the | Salyersville National Bank, the |
|---|---|---|
| Total Assets | $161,483K | $161,180K |
| Total Deposits | $147,301K | $122,547K |
| Total Loans | $80,825K | $93,555K |
| Total Equity | $13,453K | $17,615K |
| Net Income (quarter) | $511 | $632 |
Liquidity & funding
| Metric | Brady National Bank, the | Salyersville National Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 54.87% | 76.34% |
| Core Deposit Ratio | 81.83% | 82.86% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Brady National Bank, the | Salyersville National Bank, the |
|---|---|---|
| Headquarters City | BRADY | SALYERSVILLE |
| Headquarters State | TX | KY |
| Asset Tier | Small | Small |
| Charter Class | 7827 | 8905 |
| Regulator | OCC | OCC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 20 | 25 |
| Established | July 10, 1905, 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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