The Salyersville National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 4.43 percentage points in Q2 2026, from 76.34% to 80.78%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, The Salyersville National Bank is 38th of 119 on return on assets, 1.63% as of Q2 2026, above the middle of the field. The Salyersville National Bank reported 1.63% on return on assets for Q2 2026, 0.38 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.15% |
| Tier 1 risk-based capital ratio | 23.15% |
| Total risk-based capital ratio | 23.94% |
| Tier 1 leverage ratio | 14.24% |
| Equity capital to assets | 11.02% |
| Tangible equity to tangible assets | 11.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.12% |
| Texas ratio | 0.58% |
| Allowance for credit losses to loans | 0.75% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.63% |
| Return on equity | 15.56% |
| Net interest margin | 4.07% |
| Efficiency ratio | 46.88% |
| Yield on earning assets | 5.22% |
| Cost of funds | 1.32% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.78% |
| Core deposits to total deposits | 83.11% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 76.58% |
| Securities to assets | 26.26% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 25.82% | 25.82% | 26.96% | 13.22% | 1.32% |
| Q4 2023 | 25.57% | 25.57% | 26.64% | 13.46% | 1.34% |
| Q1 2024 | 27.02% | 27.02% | 28.13% | 13.56% | 1.15% |
| Q2 2024 | 25.29% | 25.29% | 26.33% | 13.75% | 1.30% |
| Q3 2024 | 24.11% | 24.11% | 25.08% | 13.80% | 1.35% |
| Q4 2024 | 25.05% | 25.05% | 26.04% | 13.27% | 1.35% |
| Q1 2025 | 24.30% | 24.30% | 25.24% | 13.30% | 1.39% |
| Q2 2025 | 23.24% | 23.24% | 24.12% | 13.43% | 1.56% |
| Q3 2025 | 22.96% | 22.96% | 23.80% | 13.57% | 1.59% |
| Q4 2025 | 23.75% | 23.75% | 24.62% | 13.66% | 1.42% |
| Q1 2026 | 24.84% | 24.84% | 25.72% | 14.02% | 1.49% |
| Q2 2026 | 23.15% | 23.15% | 23.94% | 14.24% | 1.63% |
The Salyersville National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Salyersville National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)