BlastPoint's Banking Scorecard
Lakeside Bank of Salina
Micro
Specialty: Other
OK
FDIC cert 21255
Designations: ✓ Community bank
Salina, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Lakeside Bank of Salina has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.09% above tier
- + Net Interest Margin 2.64% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 4.05% above tier
- - Nonperforming Asset Ratio 2.96% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$52.9M
+7.3% YoY
-1.8% QoQ
|
-$164.6M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$38.5M
+9.5% YoY
+1.2% QoQ
|
-$100.7M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$46.8M
+8.5% YoY
-0.2% QoQ
|
-$136.9M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
2.17%
+28.5% YoY
+2.4% QoQ
|
+1.09% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
6.49%
+7.2% YoY
-0.0% QoQ
|
+2.64% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
51.34%
-10.6% YoY
+0.8% QoQ
|
-16.38% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
4.69%
+94.7% YoY
+14.8% QoQ
|
+4.05% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
82.37%
+0.9% YoY
+1.4% QoQ
|
+7.84% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
27.94%
-2.8% YoY
-2.8% QoQ
|
+5.55% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
3.42%
+78.7% YoY
+18.3% QoQ
|
+2.96% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.63%
-14.5% YoY
+32.5% QoQ
|
+0.07% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.17%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.49%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.69%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.42%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Net Interest Margin
Current: 6.49% · Tier avg: 3.85%
93
93th pctile
Return on Assets
Current: 2.17% · Tier avg: 1.08%
88
88th pctile
Efficiency Ratio
Current: 51.34% · Tier avg: 67.73%
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.94% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Loan-to-Deposit Ratio
Current: 82.37% · Tier avg: 74.53%
14
14th pctile
Total Loans
Current: $38.5M · Tier avg: $139.2M
9
9th pctile
Total Deposits
Current: $46.8M · Tier avg: $183.7M
8
8th pctile
Total Assets
Current: $52.9M · Tier avg: $217.5M
0
0th pctile
Delinquency Rate
Current: 4.69% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.42% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.42% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.69% · Tier avg: 0.64%
8
8th pctile
Total Assets
Current: $52.9M · Tier avg: $217.5M
9
9th pctile
Total Deposits
Current: $46.8M · Tier avg: $183.7M
14
14th pctile
Total Loans
Current: $38.5M · Tier avg: $139.2M
38
38th pctile
Loan-to-Deposit Ratio
Current: 82.37% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.94% · Tier avg: 22.39%
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
88
88th pctile
Efficiency Ratio
Current: 51.34% · Tier avg: 67.73%
93
93th pctile
Return on Assets
Current: 2.17% · Tier avg: 1.08%
99
99th pctile
Net Interest Margin
Current: 6.49% · Tier avg: 3.85%