Silver Lake Bank

Topeka, KS · Cert 15323 · Peer group: banks under $1B in assets (n=581-629) · 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 84 of 581).
Widest gap: total risk-based capital ratio trails 83% of banks under $1B in assets (rank 519 of 629).
Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.38%

Rank 172 of 629

Net Interest Margin

4.21%

Rank 116 of 629

Efficiency Ratio

53.61%

Rank 104 of 629

Equity / Assets

10.39%

Rank 345 of 629

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	8-Qtr Trend
Earnings
Return on Assets	1.38%	0.60%	1.01%	1.45%	Beats 73%	172 / 629	n/a
Return on Equity	13.28%	5.38%	9.30%	13.28%	Beats 75%	158 / 629	n/a
Net Interest Margin	4.21%	3.03%	3.54%	4.05%	Beats 82%	116 / 629	n/a
Efficiency Ratio	53.61%	58.35%	67.79%	79.08%	Beats 84%	104 / 629	n/a
Asset Quality
Nonperforming Loans / Loans	0.00%	0.09%	0.46%	1.20%	Beats 86%	84 / 581	n/a
Net Charge-Offs / Loans	0.06%	n/a	0.01%	0.06%	Beats 26%	432 / 581	n/a
Capital
Tier 1 Capital Ratio	10.90%	11.24%	13.84%	18.77%	Beats 21%	500 / 629	n/a
Total Risk-Based Capital Ratio	10.90%	11.58%	14.43%	19.66%	Beats 17%	519 / 629	n/a
Equity / Assets	10.39%	9.09%	10.65%	13.80%	Beats 45%	345 / 629	n/a
Liquidity & Funding
Loans / Deposits	88.94%	67.24%	80.90%	93.48%	66th pctl	201 / 594	n/a
Loans / Assets	72.11%	53.31%	67.71%	78.15%	58th pctl	263 / 629	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution