Silver Lake Bank

Topeka, KS · Cert 15323 · Peer group: banks under $1B in assets (n=570-617) · 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 80 of 570).
Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets (rank 507 of 617).
Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.38%

Rank 170 of 617

Net Interest Margin

4.21%

Rank 109 of 617

Efficiency Ratio

53.61%

Rank 100 of 617

Equity / Assets

10.39%

Rank 325 of 617

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 72%	170 / 617	n/a
Return on Equity	13.28%	5.30%	9.43%	13.30%	Beats 75%	157 / 617	n/a
Net Interest Margin	4.21%	3.04%	3.54%	4.05%	Beats 82%	109 / 617	n/a
Efficiency Ratio	53.61%	58.03%	67.76%	79.08%	Beats 84%	100 / 617	n/a
Asset Quality
Nonperforming Loans / Loans	0.00%	0.09%	0.48%	1.27%	Beats 86%	80 / 570	n/a
Net Charge-Offs / Loans	0.06%	n/a	0.01%	0.06%	Beats 25%	428 / 570	n/a
Capital
Tier 1 Capital Ratio	10.90%	11.18%	13.83%	18.55%	Beats 21%	488 / 617	n/a
Total Risk-Based Capital Ratio	10.90%	11.56%	14.39%	19.39%	Beats 18%	507 / 617	n/a
Equity / Assets	10.39%	9.03%	10.55%	13.63%	Beats 47%	325 / 617	n/a
Liquidity & Funding
Loans / Deposits	88.94%	64.77%	79.70%	93.06%	67th pctl	191 / 582	n/a
Loans / Assets	72.11%	51.70%	67.18%	77.51%	59th pctl	252 / 617	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution