The Salyersville National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Total risk-based capital ratio dropped 1.78 percentage points in Q2 2026, from 25.72% to 23.94%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, The Salyersville National Bank is 12th of 69 on CET1 ratio, 23.15% as of Q2 2026, above the middle of the field. The Salyersville National Bank's CET1 ratio of 23.15% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 8.08 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.15% |
| Tier 1 risk-based capital ratio | 23.15% |
| Total risk-based capital ratio | 23.94% |
| Tier 1 leverage ratio | 14.24% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $24.2M |
| Tier 1 capital | $24.2M |
| Total risk-based capital | $25.0M |
| Total equity capital | $18.0M |
| Risk-weighted assets | $104.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.02% |
| Tangible equity to tangible assets | 11.02% |
| Equity capital to average assets | 10.61% |
| Internal capital growth rate | 8.24% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $200K |
| Retained earnings | $23.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 25.82% | 25.82% | 26.96% | 13.22% | $76.9M |
| Q4 2023 | 25.57% | 25.57% | 26.64% | 13.46% | $78.3M |
| Q1 2024 | 27.02% | 27.02% | 28.13% | 13.56% | $75.7M |
| Q2 2024 | 25.29% | 25.29% | 26.33% | 13.75% | $81.5M |
| Q3 2024 | 24.11% | 24.11% | 25.08% | 13.80% | $87.6M |
| Q4 2024 | 25.05% | 25.05% | 26.04% | 13.27% | $85.2M |
| Q1 2025 | 24.30% | 24.30% | 25.24% | 13.30% | $90.2M |
| Q2 2025 | 23.24% | 23.24% | 24.12% | 13.43% | $95.7M |
| Q3 2025 | 22.96% | 22.96% | 23.80% | 13.57% | $99.7M |
| Q4 2025 | 23.75% | 23.75% | 24.62% | 13.66% | $97.6M |
| Q1 2026 | 24.84% | 24.84% | 25.72% | 14.02% | $95.8M |
| Q2 2026 | 23.15% | 23.15% | 23.94% | 14.24% | $104.4M |
The Salyersville National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Salyersville National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Salyersville National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2723) · FFIEC NIC profile (RSSD 472018)