BlastPoint's Banking Scorecard

Silver Lake Bank

$100M-$1B Specialty: Commercial KS FDIC cert 15323

Topeka, KS

7 branches across KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
Deposits +7.7% year over year ($444.5M on the books).
Delinquency rate 0.00%.
Return on assets 1.44%.
Efficiency ratio 53.61% vs a 64.48% peer average.
Loan-to-deposit ratio 88.04% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

Silver Lake Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 24.0% in tier
+ ROA 0.12% above tier average
+ Net Interest Margin 0.44% above tier average
+ Efficiency Ratio 10.87% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.6% in tier
- Credit Risk Growth: Bottom 47.0% in tier

Get updates when Silver Lake Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$548.2M +8.5% YoY +2.6% QoQ	+$161.7M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	76%
Total Loans ?	$391.3M +12.0% YoY +7.1% QoQ	+$133.0M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	78%
Total Deposits ?	$444.5M +7.7% YoY +3.0% QoQ	+$117.8M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	74%
Return on Assets ?	1.44% +1.8% YoY +0.7% QoQ	+0.12%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	62%
Net Interest Margin ?	4.42% +5.1% YoY -0.7% QoQ	+0.44%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	76%
Efficiency Ratio ?	53.61% -5.6% YoY -1.9% QoQ	-10.87%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	75%
Delinquency Rate ?	0.00% -30.0% QoQ	-0.92%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	Top 12.5% in tier
Loan-to-Deposit Ratio ?	88.04% +3.9% YoY +4.1% QoQ	+10.09%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	31%
Non-Interest-Bearing Deposit Share ?	17.66% -8.4% YoY +0.9% QoQ	-4.37%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	35%
Nonperforming Asset Ratio ?	0.00% -26.9% QoQ	-0.67%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	Top 11.3% in tier
Tier 1 Capital Ratio ?	10.90% +2.4% YoY +1.8% QoQ	-5.01%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.17% +37.9% YoY +59.6% QoQ	-0.40%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	40%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Noninterest-Bearing	17.7% -1.6pp YoY +0.2pp QoQ	-4.5pp	22.1%	22.3%	22.2%	34%
Brokered Deposits	0.7% 0.0pp QoQ	-7.2pp	7.9%	8.7%	8.5%	14%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	18.7% +0.3pp YoY +2.2pp QoQ	+7.2pp	11.6%	12.6%	12.5%	86%
CRE	43.0% +1.4pp YoY +0.6pp QoQ	+3.4pp	39.5%	28.8%	41.4%	58%
1-4 Family	31.5% -0.2pp YoY -2.3pp QoQ	-1.1pp	32.6%	26.7%	31.3%	54%
Consumer	0.5% -0.4pp YoY -0.1pp QoQ	-3.6pp	4.1%	4.6%	5.0%	16%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	23.3%	19.7%	n/a
Leverage Ratio	10.9% +0.3pp YoY +0.2pp QoQ	-1.3pp	12.2%	12.6%	12.6%	48%
Total Capital Ratio	n/a	n/a	19.9%	24.4%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	66 +4 (+6.5%) YoY +3 (+4.8%) QoQ	+7	58	70	482	68%
Assets per Employee ($)	$8.3M +1.9% YoY -2.1% QoQ	+$789K	$7.5M	$7.1M	$8.8M	71%
Branch Count	7 +1 (+16.7%) YoY 0 QoQ	+2	4	6	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	7%
Nonaccrual	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	443.78x +42.6% QoQ	+419.62x	24.15x	22.44x	20.23x	99%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY -0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	80%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	13.7% -0.2pp YoY +0.2pp QoQ	+1.5pp	12.2%	14.3%	11.6%	60%
Cost of Funds (YTD)	2.0% -0.1pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.6%	1.7%	71%
Net Income ($, YTD)	$3.8M +11.3% YoY — QoQ	+$1.2M	$2.6M	$3.7M	$40.4M	78%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#159 of 659 • Top 24.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#9 of 1256 • Bottom 0.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#441 of 936 • Bottom 47.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

300

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#300 of 2643 Top 11.3% in $100M-$1B

329

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#329 of 2633 Top 12.5% in $100M-$1B

570

Total Loans

size

Value: $391.33M

Peer Median: $258.35M

#570 of 2643 Top 21.5% in $100M-$1B

633

Total Assets

size

Value: $548.25M

Peer Median: $386.57M

#633 of 2643 Top 23.9% in $100M-$1B

633

Net Interest Margin

profitability

Value: 4.42%

Peer Median: 3.99%

#633 of 2643 Top 23.9% in $100M-$1B

656

Efficiency Ratio

profitability

Value: 53.61%

Peer Median: 64.48%

#656 of 2643 Top 24.8% in $100M-$1B

Top Weaknesses (1 metrics)

2064

Tier 1 Capital Ratio

capital

Value: 10.90%

Peer Median: 15.91%

#2064 of 2643 Bottom 21.9% in $100M-$1B