The Salyersville National Bank: how it compares with its peers
Against 47 KY banks with half to twice its assets, The Salyersville National Bank's strongest measure in Q2 2026 is efficiency ratio (48.23% vs. a 63.36% peer median). Its weakest relative measure is net interest margin (4.18% vs. 4.10%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.64% | 1.29% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.18% | 4.10% | Middle third Ahead of 60% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.23% | 63.36% | Top third Ahead of 96% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $5.5M | Top third Ahead of 85% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.17% | 79.88% | Context |
What it means for lending operations
Its efficiency ratio of 48.23% is better than the 63.36% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Maysville Maysville, KY · $164M
- The Farmers National Bank of Lebanon Lebanon, KY · $163M
- Auburn Banking Company Auburn, KY · $164M
- Commonwealth Community Bank, Inc. Hartford, KY · $158M
- Citizens Bank and Trust of Lebanon, Inc. Lebanon, KY · $173M
- PBK BANK, INC. Stanford, KY · $176M
Questions about The Salyersville National Bank
How big is The Salyersville National Bank?
The Salyersville National Bank, established in 1902, is headquartered in Salyersville, KY. It reported $164M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Salyersville National Bank's return on assets?
1.64% annualized in Q2 2026, against a 1.29% median for 47 KY banks with half to twice its assets, ahead of 68% of them.
What is The Salyersville National Bank's efficiency ratio?
48.23% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 63.36%, and lower is better.
Is The Salyersville National Bank growing its loans?
Net loans grew 12.4% over the year to Q2 2026, while deposits grew 2.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.