Bank Comparison
Salyersville National Bank, the vs Farmers National Bank of Lebanon, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 10
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Salyersville National Bank, the | Farmers National Bank of Lebanon, the |
|---|---|---|
| CET1 Ratio | 24.84% | — |
| Tier 1 Capital Ratio | 24.84% | — |
| Total Capital Ratio | 25.72% | — |
| Tier 1 Leverage Ratio | 14.02% | 11.29% |
| Equity / Assets | 10.93% | 9.84% |
Profitability
| Metric | Salyersville National Bank, the | Farmers National Bank of Lebanon, the |
|---|---|---|
| Return on Assets (ROA) | 1.49% | 0.99% |
| Return on Equity (ROE) | 14.51% | 9.80% |
| Net Interest Margin (NIM) | 3.85% | 3.81% |
| Yield on Earning Assets | 5.02% | 5.55% |
| Cost of Funds | 1.35% | 1.85% |
Asset quality
| Metric | Salyersville National Bank, the | Farmers National Bank of Lebanon, the |
|---|---|---|
| Texas Ratio | 1.46% | 0.04% |
| Non-Performing Loan Ratio | 0.00% | 0.01% |
| Non-Performing Asset Ratio | 0.17% | 0.00% |
| Net Charge-Off Ratio | 0.00% | -0.06% |
| ACL / Loans | 0.84% | 0.95% |
Balance sheet
| Metric | Salyersville National Bank, the | Farmers National Bank of Lebanon, the |
|---|---|---|
| Total Assets | $161,180K | $162,592K |
| Total Deposits | $122,547K | $145,570K |
| Total Loans | $93,555K | $110,949K |
| Total Equity | $17,615K | $16,005K |
| Net Income (quarter) | $632 | $385 |
Liquidity & funding
| Metric | Salyersville National Bank, the | Farmers National Bank of Lebanon, the |
|---|---|---|
| Loan-to-Deposit Ratio | 76.34% | 76.22% |
| Core Deposit Ratio | 82.86% | 89.80% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Salyersville National Bank, the | Farmers National Bank of Lebanon, the |
|---|---|---|
| Headquarters City | SALYERSVILLE | LEBANON |
| Headquarters State | KY | KY |
| Asset Tier | Small | Small |
| Charter Class | 8905 | 4271 |
| Regulator | OCC | OCC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 25 | 26 |
| Established | Oct. 10, 1902, midnight | April 1, 1890, 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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