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
Unfavorable gap of $1.6M · efficiency ratio beats 76% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.97% | 0.85% | 1.26% | 1.60% | Beats 90% | 9 / 89 | | |
| Return on Equity | 17.05% | 7.40% | 11.89% | 14.65% | Beats 85% | 13 / 89 | | |
| Net Interest Margin | 5.67% | 3.46% | 3.93% | 4.45% | Beats 96% | 4 / 89 | | |
| Efficiency Ratio | 54.65% | 54.70% | 60.95% | 71.14% | Beats 76% | 22 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.32% | 0.30% | 0.82% | 2.25% | Beats 15% | 76 / 88 | | |
| Net Charge-Offs / Loans | 0.32% | 0.00% | 0.03% | 0.20% | Beats 19% | 72 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 11.24% | 10.89% | 13.00% | 16.33% | Beats 28% | 64 / 89 | | |
| Total Risk-Based Capital Ratio | 11.24% | 11.20% | 13.06% | 16.33% | Beats 27% | 65 / 89 | | |
| Equity / Assets | 11.56% | 9.26% | 10.94% | 13.52% | Beats 56% | 39 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.67% | 61.51% | 72.27% | 84.01% | 81st pctl | 17 / 88 | | |
| Loans / Assets | 75.95% | 52.51% | 63.15% | 71.27% | 87th pctl | 12 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |