BlastPoint's Banking Scorecard
Lakeside Bank of Salina
Designations: ✓ Community bank
Salina, OK
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 536 banks in the under $100M peer group nationwide — 1 of 39 in OK.
- Deposits +3.9% year over year ($47.8M on the books).
- Delinquency rate 3.41%.
- Return on assets 1.97%.
- Efficiency ratio 54.65% vs a 119.40% peer average.
- Loan-to-deposit ratio 84.25% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Lakeside Bank of Salina has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.33% above tier average
- + ROA 0.97% above tier average
- + Efficiency Ratio 64.75% below tier average
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.83% above tier average
- - Delinquency Rate 1.93% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$54.6M
+3.2% YoY
-2.8% QoQ
|
-$7.8M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
37% |
| Total Loans ? |
$40.3M
+7.6% YoY
+5.2% QoQ
|
+$5.4M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
62% |
| Total Deposits ? |
$47.8M
+3.9% YoY
-3.6% QoQ
|
-$3.8M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
42% |
| Return on Assets ? |
1.97%
-11.4% YoY
+9.3% QoQ
|
+0.97% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Top 11.6% in tier |
| Net Interest Margin ? |
6.24%
-4.2% YoY
+2.6% QoQ
|
+2.33% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
Top 1.3% in tier |
| Efficiency Ratio ? |
54.65%
+10.6% YoY
-2.2% QoQ
|
-64.75% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
83% |
| Delinquency Rate ? |
3.41%
-14.3% YoY
-16.5% QoQ
|
+1.93% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Bottom 10.1% in tier |
| Loan-to-Deposit Ratio ? |
84.25%
+3.6% YoY
+9.2% QoQ
|
+10.04% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
29.07%
-3.3% YoY
+7.8% QoQ
|
+5.58% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
72% |
| Nonperforming Asset Ratio ? |
2.66%
-5.6% YoY
-4.5% QoQ
|
+1.83% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 6.5% in tier |
| Tier 1 Capital Ratio ? |
11.24%
-7.0% YoY
+4.4% QoQ
|
-15.88% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
15% |
| Non-Interest Income / Assets ? |
0.32%
+0.4% YoY
+136.0% QoQ
|
-1.07% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
Top 14.9% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
29.1%
-1.0pp YoY +2.1pp QoQ |
+4.4pp | 24.6% | 23.9% | 22.2% | 70% |
| Brokered Deposits | n/a | n/a | 9.8% | 9.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
22.2%
+4.0pp YoY +1.0pp QoQ |
+8.8pp | 13.4% | 15.7% | 12.5% | 82% |
| CRE |
13.9%
+0.3pp YoY +0.5pp QoQ |
-11.4pp | 25.2% | 42.0% | 41.4% | 27% |
| 1-4 Family |
24.1%
-1.2pp YoY -1.3pp QoQ |
-10.9pp | 35.0% | 24.0% | 31.3% | 42% |
| Consumer |
36.5%
-1.0pp YoY +0.3pp QoQ |
+28.9pp | 7.7% | 5.6% | 5.0% | 98% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
11.2%
-0.8pp YoY +0.5pp QoQ |
-6.4pp | 17.7% | 11.7% | 12.6% | 32% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
0 YoY +1 (+7.1%) QoQ |
+3 | 12 | 150 | 482 | 73% |
| Assets per Employee ($) |
$3.6M
+3.2% YoY -9.3% QoQ |
-$2.5M | $6.2M | $6.5M | $8.8M | 14% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.9% | 0.4% | n/a |
| Nonaccrual |
3.4%
-0.6pp YoY -0.7pp QoQ |
+1.7pp | 1.7% | 1.5% | 1.0% | 88% |
| Allowance Coverage |
0.84x
+26.3% YoY +18.1% QoQ |
-5.57x | 6.41x | 61.99x | 20.23x | 39% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY -0.2pp QoQ |
0.0pp | 0.2% | 0.2% | 0.2% | 76% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.8%
-1.0pp YoY +1.1pp QoQ |
+11.4pp | 6.4% | 11.9% | 11.6% | 90% |
| Cost of Funds (YTD) |
1.6%
+0.1pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.8% | 1.7% | 62% |
| Net Income ($, YTD) |
$538,000
-3.8% YoY — QoQ |
+$220K | $317,817 | $8.7M | $40.4M | 78% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.