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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