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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

6.74%Q2 ’247.40%Q2 ’257.23%Q2 ’26+14%-3%

Non-interest income vs. expense

3.56%Q2 ’243.21%Q2 ’253.49%Q2 ’26-10%+8%

Executive Summary

  • Earnings: ROA of 2.11%, up 3 bps year over year; NIM at 5.82%.
  • Asset quality: problem loans at 3.32% of loans (-56 bps YoY), with net charge-offs at 0.01%.
  • 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 (quarter, annualized)

2.11%+3 bps YoY

Net Interest Margin (quarter, annualized)

5.82%-15 bps YoY

Efficiency Ratio (quarter, annualized)

53.50%+480 bps YoY

Tier 1 Leverage Ratio

11.24%-84 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.08%1.91%2.28%1.80%2.11%+3 bps
Return on Equity17.37%16.09%19.94%16.69%18.95%+158 bps
Net Interest Margin5.98%5.98%5.92%5.55%5.82%-15 bps
Efficiency Ratio48.70%53.85%52.47%55.88%53.50%+480 bps
Non-Interest Burden2.59%2.90%2.83%2.86%2.79%+20 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%-0.03%0.01%0.36%0.01%-2 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