BlastPoint's Banking Scorecard
The Salyersville National Bank
Micro
Specialty: Commercial
KY
FDIC cert 2723
Designations: ✓ Community bank
Salyersville, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
The Salyersville National Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 14.90% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$160.8M
+4.5% YoY
+0.5% QoQ
|
-$56.7M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$89.2M
+14.5% YoY
-3.7% QoQ
|
-$50.0M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$122.1M
+3.0% YoY
+0.2% QoQ
|
-$61.6M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
1.58%
+15.0% YoY
-1.7% QoQ
|
+0.49% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
4.19%
+8.4% YoY
+0.6% QoQ
|
+0.33% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
50.30%
-6.3% YoY
+2.6% QoQ
|
-17.43% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.11%
+115.1% YoY
-58.2% QoQ
|
-0.53% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
73.06%
+11.2% YoY
-4.0% QoQ
|
-1.47% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
23.22%
-5.9% YoY
-6.2% QoQ
|
+0.83% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.16%
+509.0% YoY
+3.5% QoQ
|
-0.29% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
23.75%
-5.2% YoY
+3.5% QoQ
|
+14.90% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.15%
-7.1% YoY
+29.2% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Bottom 15% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
23.75%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Tier 1 Capital Ratio
Current: 23.75% · Tier avg: 8.85%
90
90th pctile
Efficiency Ratio
Current: 50.30% · Tier avg: 67.73%
78
78th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.08%
69
69th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.64%
67
67th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.85%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.22% · Tier avg: 22.39%
44
44th pctile
Loan-to-Deposit Ratio
Current: 73.06% · Tier avg: 74.53%
41
41th pctile
Total Assets
Current: $160.8M · Tier avg: $217.5M
39
39th pctile
Total Loans
Current: $89.2M · Tier avg: $139.2M
36
36th pctile
Total Deposits
Current: $122.1M · Tier avg: $183.7M
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
Top Weaknesses
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
36
36th pctile
Total Deposits
Current: $122.1M · Tier avg: $183.7M
39
39th pctile
Total Loans
Current: $89.2M · Tier avg: $139.2M
41
41th pctile
Total Assets
Current: $160.8M · Tier avg: $217.5M
44
44th pctile
Loan-to-Deposit Ratio
Current: 73.06% · Tier avg: 74.53%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.22% · Tier avg: 22.39%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
67
67th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.85%
69
69th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.64%
78
78th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.08%
90
90th pctile
Efficiency Ratio
Current: 50.30% · Tier avg: 67.73%
92
92th pctile
Tier 1 Capital Ratio
Current: 23.75% · Tier avg: 8.85%