# SALYERSVILLE NATIONAL BANK
SALYERSVILLE, KY · FDIC certificate 2723 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $163.5M | |
| Deposits | $125.2M | |
| Loans and leases | $101.1M | |
| Total equity | $18.0M | |
| Loans / deposits | 80.17% (p63 of band) | 73.59% |
| Liquid assets / assets | 35.76% (p56 of band) | |
| Uninsured deposits / deposits | 27.61% (p76 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.97% (p87 of band) | |
| FHLB advances / assets | 0.27% | |
| Tier 1 leverage | 14.24% (p72 of band) | 11.76% |
| Unrealized securities loss / equity | -46.22% (p7 of band) | -6.57% |
| AOCI / equity | -1.12% (p25 of band) | |
| ROA (annualized) | 1.64% (p74 of band) | 1.17% |
| Net interest margin | 4.18% (p63 of band) | 3.93% |
| Efficiency ratio | 48.23% (p11 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p77 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 94% | |
| Construction % of loans | 105.37% (p95 of band) | |
| Auto loans | $92,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | assets shrinking |  |
| 2013-12 | 0 |  | reserve under noncurrent, assets shrinking |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | wholesale funding >15% |  |
| 2014-12 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2015-03 | 3 |  | capital falling |
| 2015-06 | 2 |  | wholesale funding >15% |
| 2015-09 | 4 | wholesale funding >15%, assets shrinking |  |
| 2015-12 | 3 |  | wholesale funding >15% |
| 2016-03 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2016-06 | 0 |  | assets shrinking |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 3 | charge-offs p90, deposits shrinking |  |
| 2019-06 | 2 |  | reserve under noncurrent |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | capital falling, reserve under noncurrent | charge-offs p90, deposits shrinking |
| 2020-06 | 1 |  | reserve under noncurrent |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 4 | capital falling, construction >100% equity |  |
| 2022-12 | 3 |  | construction >100% equity |
| 2023-03 | 1 |  | AOCI drag >20% of equity, capital falling |
| 2023-06 | 2 | wholesale funding >15% |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2024-03 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 1 |  | wholesale funding >15% |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | construction >100% equity |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-02 [Federal suit filed against Salyer, Community foundation - Salyersville Independent -](https://news.google.com/rss/articles/CBMilgFBVV95cUxQWlF2cXdFMGlNR3NWUjJENVY2YmZnekQxOE9IMTNaaWQ0Y3NOYW1VSjg2dVZiblRQSDR1M1NoY2ZiVGppMXBNell2SktYRkFxRnZqakxiOFBJUWdrY3JGcHg3bFg5VHd4MjUzVDdhMjFXeUJQNDVadG5VOExzNllYTl8ybTFCN3ZfZnJnQlctY1NnSlE3dEE?oc=5) · Salyersville Independent -
- 2025-11-25 [Lexington organization alleges hostile takeover of Eastern KY charitable fund - Lexington Herald Leader](https://news.google.com/rss/articles/CBMidEFVX3lxTFByNkFnVzAyb05fZmtrX2pBVHdpWWlNb29haTF2Z3ozQVRGZkhOcEFzalROZHR4WGZ2dzBER1c4dU9qU1g1cS1GX29wMTEtTTlwbUhPVVc4VjlFY1owQVdEV1dwN2taOXVUVl9Zbkd5RHhUM0hf0gF0QVVfeXFMUDY2dHBZUWtJQVlpS0lxaFhXS1Q5Rlpxb2hGajE3Q1NnanNPUUdaSEw1VWhWMVluYm0zOTFwS2hsUmJKMWUycTdjUm1YbmNVM1h4MDFNQ3VzdWsxQlFzQm1TM3lsTl9XN0dtVU1CeDczdDJ6MXo?oc=5) · Lexington Herald Leader
- 2024-09-12 [Scotty B. Patrick Obituary (2024) - Salyersville, KY - Magoffin County Funeral Home, LLC - Salyersville - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxQb2NlcVFoa01RcEgtb1FUOU5QWkJJTE8ySmxhT3BsSWlORk5iYXdPcHdvU2JveERZQmQ2bDZZZVp4MXpyTlhWSDRvTm5DZklDeFVGRUZjdTZkR2ZfRTEyaW53VjVOV1A3U2k5cVo2TWY0bHlQbGlBYlF6QWZGclRXdFlSTQ?oc=5) · Legacy obituary
- 2025-09-25 [Walnut Festival 2025 - Salyersville Independent -](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBDTFJCeGJoaW1sZ183MlNpbVYzZnRsMklPRUN5a0VnSjVaampMN184SGxhTnFoeHFOVnZSczIzNGx2cTV4RmhIdHZMYmQ2UjlXZGlrMXZtNFpER09iM245MFRqcU1EM2VG?oc=5) · Salyersville Independent -
- 2020-11-05 [Property transfers for Oct. 26-31, 2020 - Winchester Sun](https://news.google.com/rss/articles/CBMigAFBVV95cUxPYnN5UGtRQ21kcFlfUXdBdThnZV9VRUZERGtmTGNodkxNSzkzZHcwblJCaEVUekZ3X1owR3BMTWkzbWhrVjZUTHRRR2dSUjBUSllRQTFhcTBULUNJX3BJaFNLckRCMFhNUTE4VHd2RWpaN1BJaWMtc2tFS1hJUGtRUA?oc=5) · Winchester Sun
- 2016-08-22 [George Carpenter Obituary (2016) - Salyersville, KY - Salyersville Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPQjhhSmlUM3g5Yllta3lFNXJ2dU54U2tKZXVvM01pY19RSll0WUtENHZqZFMzNm9QQ3ppblVNb3A2bDNOMGNMT1NPOC1nZDVxblJGQk5yd0UyUU9nYnhXLXpqSVdpV3lKdTNtSWFWci1FUGZZb0g3Y2tqYTc5bldHRFVGNGs0QkVU?oc=5) · Legacy obituary
- 2020-07-17 [Property transfers for July 17, 2020 - Winchester Sun](https://news.google.com/rss/articles/CBMifkFVX3lxTE9CLVRmSGVENEpJaXBwVGZzNDlUU3pJcHZQVDZnWjFXcEhlS1RJZkU5S3pIbEY1dWltQ0JjNXlIMWRUaVZvanRKT0gtdmtDUmRBWUtYVVpFWnpDdHk2dXZ5SFpLaE1vdVNvcXh2MXFtdUl5SkU5OFlhUFIwbG1jUQ?oc=5) · Winchester Sun

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2723 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "2723", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide