Silver Lake Bank
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Data as of · sourced from FFIEC call reports. How we update
Silver Lake Bank is an FDIC-insured commercial bank headquartered in Topeka, KS, established in 1909 (FDIC certificate 15323), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $548.2M, up 8.5% from Q2 2025, the 36th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.90% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15323
- Headquarters
- Topeka, KS
- Established
- 1909
- Total assets, Q2 2026
- $548.2M
- Assets vs Q2 2025
- +8.5%
- Tier 1 leverage ratio, Q2 2026
- 10.90%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 101110404
- Holding company
- GIDEON ENTERPRISES L.P.
- Asset rank in state
- 36th of 182 in Kansas
Silver Lake Bank, based in Topeka, Kansas, reported $548 million in assets at June 30, 2026, up 8.5% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 12.0% over the year, about double the median of 5.5% for banks its size.
Net income for the quarter rose 11% from a year earlier, to $1.9 million. Over the same year, loans grew 12.0% and deposits grew 7.7%.
As of June 30, 2026, Silver Lake Bank reported a return on assets of 1.46%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.01%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Silver Lake Bank is the 36th largest of the 182 banks headquartered in Kansas. Between Q1 2026 and Q2 2026, its total assets rose 2.6% to $548.2M, loans rose 7.1% and deposits rose 3.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 31.2% of total loans, ahead of commercial and industrial loans at 18.6%. The FDIC Summary of Deposits lists 6 offices for it, in 4 cities in KS; its Topeka 3 offices book 81% of its branch deposits. By the capital ratios in its Q2 2026 call report, Silver Lake Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 Nw Us Highway 24, Topeka, KS 66608
- County
- Shawnee
- Metro Area
- Topeka, KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1909
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 66
- Domestic deposits
- $444.5M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $250K
- Average total assets
- $534.3M
- Average total loans
- $383.5M
- Average interest-bearing deposits
- $354.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 16, 1935
- FDIC Cert
- 15323
- Fed RSSD
- 326054
- Website
- www.silverlakebank.com →
- Parent Holding Company
- GIDEON ENTERPRISES L.P. (RSSD 2839781)
- Ultimate Parent
- GIDEON MANAGEMENT L.L.C. (RSSD 3015582)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Silver Lake Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Silver Lake Bank's total assets moved between a low of $418.1M (Q3 2023) and a high of $548.2M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$548.2M total assets against $505.2M; $491.3M total liabilities against $456.0M.
$391.3M net loans and leases against $349.5M; $444.5M total deposits against $412.6M.
$84.5M securities against $87.1M; $55.3M cash and balances due against $59.4M.
$8.3M total interest income against $7.5M; $2.6M total interest expense against $2.5M.
$5.7M net interest income against $5.0M.
$357K total noninterest income against $314K; $3.2M total noninterest expense against $2.9M.
$300K provision for credit losses against $32K.
$1.9M net income against $1.8M.
1.46% return on assets against 1.46%; 4.39% net interest margin against 4.24%.
10.90% tier 1 leverage ratio against 10.64%.
Inside the full Silver Lake Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSilver Lake Bank rankings
Its closest position to the top of a national ranking is 984 of 3,606, for efficiency ratio; its furthest is 3,327 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.92% (Q3 2024) to 1.74% (Q4 2025) and its net interest margin ran from 3.72% (Q3 2024) to 4.57% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.90% | 1.46% | 0.00% | 0.01% | 4.39% |
| Q1 2026 | 10.71% | 1.40% | 0.00% | 0.02% | 4.33% |
| Q4 2025 | 11.00% | 1.74% | 0.00% | 0.02% | 4.57% |
| Q3 2025 | 10.61% | 1.07% | 0.00% | 0.03% | 4.46% |
| Q2 2025 | 10.64% | 1.46% | 0.00% | 0.00% | 4.24% |
| Q1 2025 | 10.85% | 1.37% | 0.00% | 0.00% | 4.13% |
| Q4 2024 | 10.61% | 1.14% | 0.08% | 0.54% | 3.90% |
| Q3 2024 | 10.28% | 0.92% | 0.00% | 0.00% | 3.72% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Silver Lake Bank (main office) | Topeka , KS | 66608 | $208.9M |
| Urish Road Branch | Topeka , KS | 66614 | $93.1M |
| Silver Lake Branch | Silver Lake , KS | 66539 | $62.7M |
| Gage Branch | Topeka , KS | 66604 | $57.5M |
| Lawrence Branch | Lawrence , KS | 66049 | $14.7M |
| Overland Park Branch | Overland Park , KS | 66210 | $7.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 11, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 1993 | Structure Change | Acquired Postal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 28, 1986 | Structure Change | Acquired First State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 27, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in KS, rank 56 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $1.5M approved, $386K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Silver Lake Bank
What are Silver Lake Bank's total assets?
As of the Q2 2026 filing, Silver Lake Bank reported total assets of $548.2 million in its FFIEC call report.
Where is Silver Lake Bank headquartered?
It is headquartered in Topeka, KS, United States.
When was Silver Lake Bank founded?
It was established in 1909, per the FDIC institution directory.
Is Silver Lake Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15323). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Silver Lake Bank?
Silver Lake Bank's primary federal regulator is the FDIC.
How many branches does Silver Lake Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Silver Lake Bank's Texas Ratio?
Its Texas Ratio is 0.01% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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