The Salyersville National Bank
BankRegReports is independent of The Salyersville National Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Salyersville National Bank is an FDIC-insured commercial bank headquartered in Salyersville, KY, established in 1902 (FDIC certificate 2723), and it is supervised by the OCC. At Q2 2026 it reported total assets of $163.5M, up 3.0% from Q2 2025, the 91st largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 23.15% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2723
- Headquarters
- Salyersville, KY
- Established
- 1902
- Total assets, Q2 2026
- $163.5M
- Assets vs Q2 2025
- +3.0%
- CET1 ratio, Q2 2026
- 23.15%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 042105947
- Latest call report
- Q2 2026, FFIEC 051 · The Salyersville National Bank Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- SNB BANCORP, INC.
- Asset rank in state
- 91st of 120 in Kentucky
The Salyersville National Bank runs leaner than most banks of its size. The Salyersville, Kentucky bank had $164 million in assets at June 30, 2026, up 3.0% from a year earlier. It spends about 47 cents to bring in each dollar of revenue, lower than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 61 cents). It also holds common equity equal to 23.15% of its risk-weighted assets, higher than about three-quarters of banks its size (median 15.11%).
Loans are outrunning deposits: over the year loans rose 12.3% and deposits rose 2.6%. Paper losses on its bond portfolio are shrinking: unrealized losses of $8.3 million equal 34% of Tier 1 capital, down from 41% a year earlier.
As of June 30, 2026, The Salyersville National Bank reported a CET1 capital ratio of 23.15%, a return on assets of 1.63%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.58%. The figures come from its call report filed with the FFIEC.
The Salyersville National Bank ranks as the 91st largest of the 120 banks based in Kentucky, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.4% to $163.5M, loans rose 8.1% and deposits rose 2.2%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 26.7% of total loans, ahead of 1-4 family residential loans at 22.9%. The FDIC Summary of Deposits lists 2 offices for it, in Salyersville, KY. By the capital ratios in its Q2 2026 call report, The Salyersville National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 43 E Maple St, Salyersville, KY 41465
- County
- Magoffin
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 10, 1902
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $125.2M
- Allowance for credit losses
- $758K
- Net charge-offs (YTD)
- $30K
- Average total assets
- $169.7M
- Average total loans
- $96.3M
- Average interest-bearing deposits
- $92.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2723
- Fed RSSD
- 472018
- Website
- www.salyersvillebank.com →
- Parent Holding Company
- SNB BANCORP, INC. (RSSD 2896207)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The Salyersville National Bank's total assets moved between a low of $135.6M (Q4 2023) and a high of $163.5M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$163.5M total assets against $158.7M; $145.5M total liabilities against $143.2M.
$100.4M net loans and leases against $89.3M; $125.2M total deposits against $122.0M.
$42.9M securities against $45.0M; $15.5M cash and balances due against $19.6M.
$2.1M total interest income against $2.1M; $475K total interest expense against $484K.
$1.7M net interest income against $1.6M.
$60K total noninterest income against $57K; $816K total noninterest expense against $797K.
$0 provision for credit losses against $0.
$693K net income against $644K.
1.63% return on assets against 1.56%; 4.07% net interest margin against 3.96%.
23.15% CET1 capital ratio against 23.24%; 14.24% tier 1 leverage ratio against 13.43%.
Inside the full The Salyersville National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Salyersville National Bank rankings
Its closest position to the top of a national ranking is 214 of 2,134, for CET1 ratio; its furthest is 2,916 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.35% (Q3 2024) to 1.63% (Q2 2026) and its net interest margin ran from 3.67% (Q4 2024) to 4.07% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.15% | 1.63% | 0.00% | 0.58% | 4.07% |
| Q1 2026 | 24.84% | 1.49% | 0.00% | 1.46% | 3.85% |
| Q4 2025 | 23.75% | 1.42% | 0.11% | 1.45% | 3.98% |
| Q3 2025 | 22.96% | 1.59% | 0.27% | 1.43% | 4.01% |
| Q2 2025 | 23.24% | 1.56% | 0.17% | 0.94% | 3.96% |
| Q1 2025 | 24.30% | 1.39% | 0.00% | 0.00% | 3.70% |
| Q4 2024 | 25.05% | 1.35% | 0.05% | 0.28% | 3.67% |
| Q3 2024 | 24.11% | 1.35% | 0.00% | 0.00% | 3.71% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Salyersville National Bank | Salyersville , KY | 41465 | $87.7M |
| Route 114 Branch | Salyersville , KY | 41465 | $37.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KY, rank 118 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $40K approved, $40K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The Salyersville National Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about The Salyersville National Bank
What are The Salyersville National Bank's total assets?
As of the Q2 2026 filing, The Salyersville National Bank reported total assets of $163.5 million in its FFIEC call report.
Where is The Salyersville National Bank headquartered?
It is headquartered in Salyersville, KY, United States.
When was The Salyersville National Bank founded?
It was established in 1902, per the FDIC institution directory.
Is The Salyersville National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2723). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Salyersville National Bank?
The Salyersville National Bank's primary federal regulator is the OCC.
What is The Salyersville National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.15% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Salyersville National Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Salyersville National Bank's Texas Ratio?
Its Texas Ratio is 0.58% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on The Salyersville National Bank.
Get an email when The Salyersville National Bank files its next call report, and benchmark it against any peer you choose.
Unlock The Salyersville National Bank, freeFree account