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The Salyersville National Bank
Salyersville, KY · FDIC Certificate #2723 · Chartered 10/1
Total assets
$163.51M
Total deposits
$125.21M
Total equity
$18.01M
Net loans
$100.38M
Branches (offices)
2
Net income (YTD)
$1.32M
Rank: #3,209 of 4,213 U.S. banks by assets · #91 of 120 in Kentucky. Assets changed 3.0% and deposits 2.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.64% |
| Return on equity | 15.04% |
| Net interest margin (YTD) | 4.18% |
| Equity to assets | 11.02% |
| Tier 1 leverage ratio | 14.24% |
| Uninsured deposits (share of deposits) | 27.6% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 80.2% |
| Real estate loans (share of loans) | 95.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $95.49M | 95.1% | |
| Commercial & industrial | $3.68M | 3.7% | |
| Consumer / individual | $1.78M | 1.8% | |
| Construction & development | $18.98M | 18.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $136.33M | $105.79M | $661.00K | $13.46M |
| Jun 2023 | $141.76M | $105.45M | $946.00K | $12.25M |
| Jun 2024 | $141.21M | $107.60M | $922.00K | $13.28M |
| Jun 2025 | $158.74M | $121.99M | $1.22M | $15.57M |
| Jun 2026 | $163.51M | $125.21M | $1.32M | $18.01M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $125.21M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $125.21M.
Similar-sized banks
Commercial Trust Company Of Fayette ($163.79M) · The Farmers National Bank Of Lebanon ($163.01M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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