Silver Lake Bank
Topeka, KS · Cert 15323 · Peer group: banks under $1B in assets (n=573-620) · Gideon Management L L C
State charter, non-member · FDIC · 6 branches
Q2 2026
$548.2MAssets
$395.3MLoans
$444.5MDeposits
$56.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 86% of banks under $1B in assets (rank 83 of 573).
- Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets (rank 511 of 620).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.38%
Rank 167 of 620
Net Interest Margin
4.21%
Rank 107 of 620
Efficiency Ratio
53.61%
Rank 100 of 620
Equity / Assets
10.39%
Rank 330 of 620
Non-interest income vs. expense
Unfavorable gap of $11.2M · efficiency ratio beats 84% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.38% | 0.60% | 1.00% | 1.45% | Beats 73% | 167 / 620 | |
| Return on Equity | 13.28% | 5.30% | 9.30% | 13.29% | Beats 75% | 156 / 620 | |
| Net Interest Margin | 4.21% | 3.02% | 3.53% | 4.04% | Beats 83% | 107 / 620 | |
| Efficiency Ratio | 53.61% | 58.35% | 68.08% | 79.37% | Beats 84% | 100 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.47% | 1.27% | Beats 86% | 83 / 573 | |
| Net Charge-Offs / Loans | 0.06% | n/a | 0.01% | 0.06% | Beats 25% | 430 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 10.90% | 11.27% | 13.87% | 18.78% | Beats 20% | 493 / 620 | |
| Total Risk-Based Capital Ratio | 10.90% | 11.69% | 14.57% | 19.67% | Beats 18% | 511 / 620 | |
| Equity / Assets | 10.39% | 9.03% | 10.60% | 13.73% | Beats 47% | 330 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 88.94% | 65.08% | 79.69% | 92.47% | 67th pctl | 192 / 585 | |
| Loans / Assets | 72.11% | 51.85% | 67.17% | 77.86% | 60th pctl | 251 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |