Bank Comparison
Lakeside Bank of Salina vs Lamont Bank of ST. John
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 4
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Lakeside Bank of Salina | Lamont Bank of ST. John |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.77% | 6.57% |
| Equity / Assets | 10.71% | 5.68% |
Profitability
| Metric | Lakeside Bank of Salina | Lamont Bank of ST. John |
|---|---|---|
| Return on Assets (ROA) | 1.76% | -12.84% |
| Return on Equity (ROE) | 16.69% | -181.19% |
| Net Interest Margin (NIM) | 6.08% | -0.93% |
| Yield on Earning Assets | 7.69% | 0.65% |
| Cost of Funds | 1.73% | 1.62% |
Asset quality
| Metric | Lakeside Bank of Salina | Lamont Bank of ST. John |
|---|---|---|
| Texas Ratio | 25.07% | 160.33% |
| Non-Performing Loan Ratio | 4.54% | 15.79% |
| Non-Performing Asset Ratio | 3.18% | 11.10% |
| Net Charge-Off Ratio | 0.35% | 8.25% |
| ACL / Loans | 2.83% | 5.52% |
Balance sheet
| Metric | Lakeside Bank of Salina | Lamont Bank of ST. John |
|---|---|---|
| Total Assets | $56,179K | $55,859K |
| Total Deposits | $49,652K | $52,420K |
| Total Loans | $39,432K | $34,771K |
| Total Equity | $6,018K | $3,172K |
| Net Income (quarter) | $246 | $-1,871 |
Liquidity & funding
| Metric | Lakeside Bank of Salina | Lamont Bank of ST. John |
|---|---|---|
| Loan-to-Deposit Ratio | 79.42% | 66.33% |
| Core Deposit Ratio | 92.63% | 93.82% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Lakeside Bank of Salina | Lamont Bank of ST. John |
|---|---|---|
| Headquarters City | SALINA | SAINT JOHN |
| Headquarters State | OK | WA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 14 | 6 |
| Established | Oct. 9, 1973, midnight | Jan. 1, 1908, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Lakeside Bank of Salina profile | View full Lamont Bank of ST. John profile | Browse all bank comparisons