| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +3.0% | +0.2 pts |
| Deposit growth (YoY) | +3.9% | +2.5% | +1.4 pts |
| Loan growth (YoY) | +7.6% | +2.6% | +5.0 pts |
| ROA | 1.97% | 0.99% | +1.0 pts |
| ROE | 17.8% | 8.1% | +9.8 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $54.6M | $47.8M | $40.3M | $6.3M | $538K | 1.97% | 6.24% | 2.66% |
| Q1 2026 | $56.2M | $49.7M | $38.3M | $6.0M | $246K | 1.80% | 6.08% | 2.79% |
| Q4 2025 | $52.9M | $46.8M | $38.5M | $5.8M | $1.1M | 2.17% | 6.49% | 3.42% |
| Q3 2025 | $53.9M | $46.8M | $38.1M | $6.5M | $814K | 2.12% | 6.50% | 2.89% |
| Q2 2025 | $52.9M | $46.1M | $37.5M | $6.2M | $559K | 2.23% | 6.52% | 2.82% |
| Q1 2025 | $48.5M | $41.9M | $35.8M | $5.9M | $295K | 2.41% | 6.59% | 2.02% |
| Q4 2024 | $49.3M | $43.1M | $35.2M | $5.7M | $864K | 1.69% | 6.06% | 1.91% |
| Q3 2024 | $50.1M | $43.2M | $35.3M | $6.5M | $667K | 1.73% | 5.95% | 3.02% |
Loan mix (Q2 2026): real estate $16.4M · commercial $8.9M · consumer $14.7M · securities $7.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Lakeside Bank of Salina | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.97% | 0.99% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 17.8% | 8.1% | 91st | |
Net interest margin Interest income − interest expense, ÷ assets | 6.24% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.6% | 70.8% | 17th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Lakeside Bank of Salina | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Lakeside Bank of Salina | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Lakeside Bank of Salina | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Lakeside Bank of Salina | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Lakeside Bank of Salina | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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