The Salyersville National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Salyersville National Bank of Salyersville, KY against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.63% | 1.34% | +0.29% | 71st above |
| ROAE | 15.56% | 13.32% | +2.24% | 69th above |
| Net Interest Margin | 4.07% | 3.93% | +0.14% | 57th above |
| Efficiency Ratio | 46.88% | 61.13% | -14.25% | 87th top |
| PPNR / Avg Assets | 2.16% | 1.68% | +0.48% | 78th top |
| Yield on Earning Assets | 5.22% | 5.67% | -0.45% | 31st below |
| Cost of Funds | 1.32% | 1.88% | -0.56% | 79th top |
| Net Interest Spread | 3.54% | 3.32% | +0.22% | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.07% | 0.70% | -0.63% | 75th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.12% | 0.16% | -0.04% | 17th bottom |
| ACL / Total Loans | 0.75% | 1.28% | -0.53% | 9th bottom |
| Texas Ratio | 0.58% | 7.34% | -6.76% | 78th top |
| Provision / NCO | 0.00% | 1395.20% | -1395.20% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 23.15% | 19.48% | +3.67% | 85th top |
| Tier 1 Ratio | 23.15% | 19.52% | +3.63% | 85th top |
| Total Capital Ratio | 23.94% | 20.60% | +3.34% | 84th top |
| Leverage Ratio | 14.24% | 12.14% | +2.10% | 83rd top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.02% | 11.36% | -0.34% | 60th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.02% | 11.08% | -0.06% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 80.78% | 80.66% | +0.12% | 50th above |
| Core Deposit Ratio | 83.11% | 86.85% | -3.74% | 24th bottom |
| Wholesale Funding Ratio | 11.97% | 5.03% | +6.94% | 9th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.00% | 6.84% | -3.84% | 40th below |
| Loan Growth (Y/Y) | 12.25% | 7.92% | +4.33% | 80th top |
| Deposit Growth (Y/Y) | 2.64% | 6.29% | -3.65% | 40th below |
See The Salyersville National Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Salyersville National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Salyersville National Bank profile, how to read a UBPR, or how this data updates.