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Lakeside Bank of Salina

Salina, OK · Cert 21255 · First Pryor Bcorp Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

37

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

90

Q2 2024Q2 2026peer median (50)

Liquidity

25

Q2 2024Q2 2026peer median

Efficiency

76

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lakeside Bank of Salina

Salina, OK · Cert 21255 · First Pryor Bcorp Inc.

State charter, Fed member · FED · 1 affiliate bank · 1 branch (4 in holding)

Q2 2026

$54.6MAssets
$41.5MLoans
$47.8MDeposits
$6.3MEquity
Loan mix
42%RE $16.0M21%C&I $8.1M37%Consumer $13.9MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $33.9M29%Noninterest $13.9MQ2 2025Q2 2026

NIM

6.68%Q2 ’247.23%Q2 ’257.12%Q2 ’26+11%-3%

Non-interest income vs. expense

3.46%Q2 ’243.21%Q2 ’253.44%Q2 ’26-9%+10%

Executive Summary

  • Earnings: ROA of 1.97%, down 25 bps year over year; NIM at 5.67%.
  • Asset quality: problem loans at 3.32% of loans (-56 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 11.24%, down 84 bps from a year ago.
  • Funding: loans stand at 86.67% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.97%-25 bps YoY

Net Interest Margin (YTD, annualized)

5.67%-18 bps YoY

Efficiency Ratio (YTD, annualized)

54.65%+522 bps YoY

Tier 1 Leverage Ratio

11.24%-84 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.23%2.12%2.17%1.80%1.97%-25 bps
Return on Equity18.83%17.88%18.62%16.69%17.83%-99 bps
Net Interest Margin5.85%5.77%5.75%5.55%5.67%-18 bps
Efficiency Ratio49.43%50.96%51.34%55.88%54.65%+522 bps
Non-Interest Burden2.56%2.63%2.65%2.86%2.82%+26 bps
Growth
Asset Growth (YoY)0.41%7.63%7.30%15.85%3.18%+277 bps
Loan Growth (YoY)5.17%7.91%10.25%7.30%7.80%+263 bps
Deposit Growth (YoY)-0.08%8.35%8.54%18.56%3.87%+395 bps
Asset Quality
Nonperforming Loans / Loans3.88%3.98%4.56%3.97%3.32%-56 bps
Net Charge-Offs / Loans0.03%0.01%0.01%0.36%0.17%+15 bps
Allowance / Loans2.59%2.74%2.76%2.83%2.79%+21 bps
Allowance Coverage of NPLs0.7x0.7x0.6x0.7x0.8x+0.2x
Capital
Tier 1 Leverage Ratio12.09%12.20%10.75%10.77%11.24%-84 bps
Total Risk-Based Capital12.09%12.20%10.75%10.77%11.24%-84 bps
Equity / Assets11.74%12.00%10.90%10.71%11.56%-18 bps
Liquidity & Funding
Loans / Deposits83.51%83.56%84.70%79.42%86.67%+316 bps
Liquid Assets / Assets16.05%18.92%18.98%17.99%17.41%+136 bps
CRE / Total Capitaln/a84.52%83.84%85.21%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Lakeside Bank of Salina

Salina, OK · Cert 21255 · Peer group: banks under $1B in assets in OK (n=88-89) · First Pryor Bcorp Inc.

State charter, Fed member · FED · 1 affiliate bank · 1 branch (4 in holding)

Q2 2026

$54.6MAssets
$41.5MLoans
$47.8MDeposits
$6.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 96% of banks under $1B in assets in OK (rank 4 of 89).
  • Widest gap: nonperforming loans / loans trails 85% of banks under $1B in assets in OK (rank 76 of 88).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.97%

Rank 9 of 89

Net Interest Margin

5.67%

Rank 4 of 89

Efficiency Ratio

54.65%

Rank 22 of 89

Equity / Assets

11.56%

Rank 39 of 89

Non-interest income vs. expense

$0.3M$1.9MINCOMEEXPENSE
Unfavorable gap of $1.6M · efficiency ratio beats 76% of banks under $1B in assets in OK
Bank 54.65%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.97%0.85%1.26%1.60%Beats 90%9 / 89
Return on Equity17.05%7.40%11.89%14.65%Beats 85%13 / 89
Net Interest Margin5.67%3.46%3.93%4.45%Beats 96%4 / 89
Efficiency Ratio54.65%54.70%60.95%71.14%Beats 76%22 / 89
Asset Quality
Nonperforming Loans / Loans3.32%0.30%0.82%2.25%Beats 15%76 / 88
Net Charge-Offs / Loans0.32%0.00%0.03%0.20%Beats 19%72 / 88
Capital
Tier 1 Capital Ratio11.24%10.89%13.00%16.33%Beats 28%64 / 89
Total Risk-Based Capital Ratio11.24%11.20%13.06%16.33%Beats 27%65 / 89
Equity / Assets11.56%9.26%10.94%13.52%Beats 56%39 / 89
Liquidity & Funding
Loans / Deposits86.67%61.51%72.27%84.01%81st pctl17 / 88
Loans / Assets75.95%52.51%63.15%71.27%87th pctl12 / 89
Brokered Deposits / Depositsn/aNot reported for this institution