Bank Comparison
Salyersville National Bank, the vs First State Bank of Campbell Hill
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 12
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Salyersville National Bank, the | First State Bank of Campbell Hill |
|---|---|---|
| CET1 Ratio | 24.84% | 21.56% |
| Tier 1 Capital Ratio | 24.84% | 21.56% |
| Total Capital Ratio | 25.72% | 22.55% |
| Tier 1 Leverage Ratio | 14.02% | 13.55% |
| Equity / Assets | 10.93% | 12.92% |
Profitability
| Metric | Salyersville National Bank, the | First State Bank of Campbell Hill |
|---|---|---|
| Return on Assets (ROA) | 1.49% | 1.52% |
| Return on Equity (ROE) | 14.51% | 11.91% |
| Net Interest Margin (NIM) | 3.85% | 4.12% |
| Yield on Earning Assets | 5.02% | 5.21% |
| Cost of Funds | 1.35% | 1.25% |
Asset quality
| Metric | Salyersville National Bank, the | First State Bank of Campbell Hill |
|---|---|---|
| Texas Ratio | 1.46% | 8.66% |
| Non-Performing Loan Ratio | 0.00% | 0.37% |
| Non-Performing Asset Ratio | 0.17% | 0.34% |
| Net Charge-Off Ratio | 0.00% | 0.02% |
| ACL / Loans | 0.84% | 0.91% |
Balance sheet
| Metric | Salyersville National Bank, the | First State Bank of Campbell Hill |
|---|---|---|
| Total Assets | $161,180K | $161,022K |
| Total Deposits | $122,547K | $138,126K |
| Total Loans | $93,555K | $105,539K |
| Total Equity | $17,615K | $20,804K |
| Net Income (quarter) | $632 | $613 |
Liquidity & funding
| Metric | Salyersville National Bank, the | First State Bank of Campbell Hill |
|---|---|---|
| Loan-to-Deposit Ratio | 76.34% | 76.41% |
| Core Deposit Ratio | 82.86% | 96.41% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Salyersville National Bank, the | First State Bank of Campbell Hill |
|---|---|---|
| Headquarters City | SALYERSVILLE | CAMPBELL HILL |
| Headquarters State | KY | IL |
| Asset Tier | Small | Small |
| Charter Class | 8905 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 25 | 29 |
| Established | Oct. 10, 1902, midnight | Jan. 1, 1921, 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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