Lakeside Bank of Salina: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 10.30 percentage points higher than in Q1 2026, at 72.74%. Within Oklahoma, Lakeside Bank of Salina is 33rd of 169 on return on assets, 2.08% as of Q2 2026, above the middle of the field. Lakeside Bank of Salina's return on assets of 2.08% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 1.10 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.24% |
| Equity capital to assets | 11.56% |
| Tangible equity to tangible assets | 11.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.84% |
| Non-performing assets ratio | 3.06% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 22.36% |
| Allowance for credit losses to loans | 2.79% |
| Reserve coverage of non-performing loans | 72.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.08% |
| Return on equity | 18.95% |
| Net interest margin | 6.43% |
| Efficiency ratio | 52.90% |
| Yield on earning assets | 7.97% |
| Cost of funds | 1.61% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.67% |
| Core deposits to total deposits | 92.54% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.63% |
| Securities to assets | 12.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.91% | 1.52% | 6.06% | 3.34% | 1.93% |
| Q4 2023 | 11.19% | 1.50% | 5.62% | 3.90% | 0.06% |
| Q1 2024 | 11.58% | 2.03% | 5.70% | 5.38% | 0.13% |
| Q2 2024 | 11.85% | 1.33% | 5.66% | 5.28% | 1.15% |
| Q3 2024 | 12.37% | 1.73% | 6.13% | 4.47% | 2.18% |
| Q4 2024 | 11.28% | 1.57% | 6.34% | 2.93% | 2.98% |
| Q1 2025 | 11.91% | 2.36% | 6.40% | 3.33% | 0.02% |
| Q2 2025 | 12.09% | 2.05% | 6.58% | 4.51% | 0.03% |
| Q3 2025 | 12.20% | 1.92% | 6.49% | 4.58% | -0.03% |
| Q4 2025 | 10.75% | 2.27% | 6.50% | 5.07% | 0.01% |
| Q1 2026 | 10.77% | 1.76% | 6.08% | 4.54% | 0.35% |
| Q2 2026 | 11.24% | 2.08% | 6.43% | 3.84% | 0.01% |
Lakeside Bank of Salina vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lakeside Bank of Salina, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Lakeside Bank of Salina profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21255) · FFIEC NIC profile (RSSD 391557)