Lakeside Bank of Salina

Lakeside Bank of Salina is one of the more profitable banks of its size. The Salina, Oklahoma bank had $55 million in assets at June 30, 2026, up 3.2% from a year earlier. It returns 18.9% a year on shareholders' equity, about double the median of 8.6% for the 533 banks with less than $100 million in assets. It also keeps 6.43 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.91 cents). Much of that comes from cost control: it spends about 53 cents to bring in each dollar of revenue.

Its $8.9 million commercial and industrial book is improving, with 2.27% past due or on nonaccrual, down from 8.25% a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 3.32% of loans, down from 3.88% a year earlier. Credit is the area to watch: it carries problem assets equal to 19.5% of the capital and reserves that would absorb them, 10.1 times the median of 1.9% for banks its size.

As of June 30, 2026, Lakeside Bank of Salina reported a return on assets of 2.08%, a nonperforming-loan ratio of 3.32% and a Texas ratio of 19.47%. The figures come from its call report filed with the FFIEC.