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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Salyersville, KY · FDIC certificate #2723
SALYERSVILLE NATIONAL BANK is an FDIC-insured institution based in Salyersville, KY (FDIC certificate #2723). In its Q3 2026 Call Report it reported total assets of $160M, total deposits of $123M and net loans of $97M. Its primary federal regulator is OCC.
Plain-language readout
SALYERSVILLE NATIONAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $164M in Q2 2026 and were lowest at $160M in Q3 2026.
Total deposits were highest at $125M in Q2 2026 and lowest at $123M in Q1 2026.
Over the whole period total assets fell 0.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $160M | $123M | $97M | 1.69% | 15.49% | 4.28% |
| Q2 2026 | $164M | $125M | $100M | 1.64% | 15.04% | 4.18% |
| Q1 2026 | $161M | $123M | $93M | 1.57% | 14.51% | 4.09% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $15.5M | $20.1M | -$4.6M | -22.9% |
| Federal funds sold | $60K | $70K | -$10K | -14.3% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $42.9M | $43.8M | -$850K | -1.9% |
| Equity securities with readily determinable fair values, not held for trading | $10K | $10K | $0K | 0.0% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $100.4M | $92.8M | +$7.6M | +8.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $783K | $799K | -$16K | -2.0% |
| Other real estate owned | $108K | $268K | -$160K | -59.7% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $3.8M | $3.4M | +$349K | +10.2% |
| Total assets | $163.5M | $161.2M | +$2.3M | +1.4% |
| Liabilities | ||||
| Total deposits | $125.2M | $122.5M | +$2.7M | +2.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $19.1M | $20.1M | -$987K | -4.9% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $437K | $438K | -$1K | -0.2% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $718K | $463K | +$255K | +55.1% |
| Total liabilities | $145.5M | $143.6M | +$1.9M | +1.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $200K | $200K | $0K | 0.0% |
| Retained earnings | $23.9M | $23.5M | +$363K | +1.5% |
| Accumulated other comprehensive income | -$6.2M | -$6.2M | +$33K | +0.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $18.0M | $17.6M | +$396K | +2.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $108K | $268K | -$160K | -59.7% |
| Adjusted nonperforming assets | $108K | $268K | -$160K | -59.7% |
| Tangible equity plus allowance | $18.8M | $18.4M | +$366K | +2.0% |
| Texas ratio (gross) | 0.58% | 1.46% | -0.88 pts | See points |
| Texas ratio (adjusted) | 0.58% | 1.46% | -0.88 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.58% | 1.46% | -0.88 pts | See points |
| Tier 1 capital to risk-weighted assets | 23.15% | 24.84% | -1.68 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 23.15% | 24.84% | -1.68 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.78% | 0.88% | -0.10 pts | See points |
| Total risk-based capital to risk-weighted assets | 23.94% | 25.72% | -1.78 pts | See points |
| Tier 1 leverage (approximate) | 14.24% | 14.02% | +0.23 pts | See points |
| Construction and land loans to total capital | 75.98% | 77.53% | -1.55 pts | See points |
| Commercial real estate to total capital | 179.85% | 171.78% | +8.07 pts | See points |
| Dividend payout, year to date | 24.91% | 0.00% | +24.91 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -34.41% | -35.12% | +0.71 pts | See points |
| Liquidity | ||||
| Core deposits | $104.1M | $101.5M | +$2.5M | +2.5% |
| Non-core funding | $40.7M | $41.6M | -$834K | -2.0% |
| Loans to core deposits | 97.20% | 92.13% | +5.07 pts | See points |
| Loans to deposits | 80.78% | 76.34% | +4.43 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 89.94% | 86.36% | +3.59 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $40.7M | $41.6M | -$834K | -2.0% |
| Earnings | ||||
| Earnings before provision, year to date | $1.8M | $835K | +$917K | +109.8% |
| Earnings before provision, single quarter | $917K | $835K | +$82K | +9.8% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 7.11% | 6.98% | +0.13 pts | See points |
| Yield on interest-bearing balances due from banks | 3.67% | 3.70% | -0.03 pts | See points |
| Total interest income to average assets | 5.06% | 4.86% | +0.20 pts | See points |
| Cost of interest-bearing transaction accounts | 0.20% | 0.20% | -0.00 pts | See points |
| Cost of savings and money market deposits | 0.16% | 0.13% | +0.03 pts | See points |
| Cost of time deposits | 3.24% | 3.32% | -0.08 pts | See points |
| Total interest expense to average assets | 1.12% | 1.13% | -0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $160M | $123M | $97M | 1.69% | 15.49% | 4.28% |
| 2026-06-30 | $164M | $125M | $100M | 1.64% | 15.04% | 4.18% |
| 2026-03-31 | $161M | $123M | $93M | 1.57% | 14.51% | 4.09% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $122M | 0.10% | 120 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.