BlastPoint's Banking Scorecard

Lakeside Bank of Salina

under $100M Specialty: Other OK FDIC cert 21255

Designations: ✓ Community bank

Salina, OK

541 banks in the under $100M peer group nationally 38 in OK

Lakeside Bank of Salina has 3 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

+ Net Interest Margin 2.22% above tier average
+ ROA 0.97% above tier average
+ Efficiency Ratio 32.46% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 2.72% above tier average
- Nonperforming Asset Ratio 2.00% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$56.2M +15.9% YoY +6.1% QoQ	-$6.0M	$62.2M -0.6% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	40%
Total Loans ?	$38.3M +6.9% YoY -0.5% QoQ	+$4.1M	$34.2M -1.4% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	60%
Total Deposits ?	$49.7M +18.6% YoY +6.2% QoQ	-$2.1M	$51.7M -0.7% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	45%
Return on Assets ?	1.80% -25.2% YoY -17.0% QoQ	+0.97%	0.84% -2.3% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Top 13.9% in tier
Net Interest Margin ?	6.08% -7.7% YoY -6.4% QoQ	+2.22%	3.86% +2.8% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	Top 1.7% in tier
Efficiency Ratio ?	55.88% +11.4% YoY +8.8% QoQ	-32.46%	88.34% +0.3% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	84%
Delinquency Rate ?	4.09% +49.8% YoY -12.9% QoQ	+2.72%	1.37% +33.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	Bottom 7.7% in tier
Loan-to-Deposit Ratio ?	77.17% -9.8% YoY -6.3% QoQ	+12.95%	64.22% -0.7% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	31%
Non-Interest-Bearing Deposit Share ?	26.96% -8.3% YoY -3.5% QoQ	+3.24%	23.71% +0.3% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	63%
Nonperforming Asset Ratio ?	2.79% +38.3% YoY -18.3% QoQ	+2.00%	0.79% +28.2% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Bottom 5.7% in tier
Tier 1 Capital Ratio ?	10.77% -9.6% YoY +0.2% QoQ	-15.91%	26.68% +2.0% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	Bottom 11.1% in tier
Non-Interest Income / Assets ?	0.13% -24.7% YoY -78.8% QoQ	-0.53%	0.67% +1.9% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	80%

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 6.08%

Peer Median: 3.86%

#10 of 541 Top 1.7% in under $100M

Return on Assets

profitability

Value: 1.80%

Peer Median: 0.84%

#76 of 541 Top 13.9% in under $100M

Efficiency Ratio

profitability

Value: 55.88%

Peer Median: 88.34%

#90 of 541 Top 16.5% in under $100M

108

Non-Interest Income / Assets

revenue_mix

Value: 0.13%

Peer Median: 0.67%

#108 of 541 Top 19.8% in under $100M

Top Weaknesses (3 metrics)

511

Nonperforming Asset Ratio

credit_quality

Value: 2.79%

Peer Median: 0.79%

#511 of 541 Bottom 5.7% in under $100M

482

Delinquency Rate

credit_quality

Value: 4.09%

Peer Median: 1.37%

#482 of 521 Bottom 7.7% in under $100M

482

Tier 1 Capital Ratio

capital

Value: 10.77%

Peer Median: 26.68%

#482 of 541 Bottom 11.1% in under $100M