FDIC Cert #21255 · Salina, Oklahoma · Est. 1973

Lakeside Bank of Salina - FDIC Bank Health Profile

A community-scale look at Lakeside Bank of Salina's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$53M
Total assets
B
Health grade · Good
2.17%
Return on assets
10.8%
Tier 1 capital

Data updated July 2026

The verdict

Lakeside Bank of Salina earns a PlainBankData health grade of B (75/100), with well-capitalized at 10.75% Tier 1, profitable at 2.17% ROA, efficient (51% cost ratio).

#4,115
largest of 4,313 FDIC banks by assets
5th
percentile by asset size, nationally
10.75%
Tier 1 ratio - above the 10% well-capitalized line
93rd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 21255 · OK B · 75/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (75/100)
  • MID-PACK #2589/4307
  • PHOTO-FINISH Citizens Tri-County… · TN
  • TIER1-WELL 10.8% Tier 1
  • TEXAS-HEALTHY 26.3% Texas
  • ROA-STRONG 2.17% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: Citizens Tri-County Bank, TN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Lakeside Bank of Salina

Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bankers' Bank of the… · CO ·…75/100Citizens Tri-County… · TN · …75/100DLP Bank · FL · near75/100Heartland Bank · NE · near75/100Lakeside Bank of Sal… · OK ·…75/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Lakeside Bank of Salina · July 2026

What Lakeside Bank of Salina's Call Report plate shows

Lakeside Bank of Salina (FDIC Cert #21255) carries a PlainBankData health grade of B at 75/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,589 of 4,307. Tier 1 capital prints at 10.75%, clearing the 10% well-capitalized line. The Texas Ratio is 26.34%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.17%. Balance-sheet scale is $53M, 4,115th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Citizens Tri-County Bank (TN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Lakeside Bank of Salina

8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)

Lakeside Bank of Salina's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Lakeside Bank of Salina remains an active FDIC-insured reporter.

  • FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
  • THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
  • THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.

How Lakeside Bank of Salina's 75/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10075/100
Lakeside Bank of Salina's composite health score
Tier 1 Capital Ratio (10.75%) 28/40
Return on Assets (ROA) (2.17%) 25/25
Texas Ratio (26.34%) 10/20
Efficiency Ratio (51.34%) 12/15

75 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$53M

Total balance-sheet footings

Total Deposits

$47M

Customer-funded liabilities

Net Loans

$39M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.35% 10.75% 12.15%
Basel III capital ratios - Lakeside Bank of Salina

Where Lakeside Bank of Salina ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Lakeside Bank of Salina's score of 75/100 falls in the highlighted band.

Lakeside Bank of Salina: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

75 40th percentile higher than 40% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Lakeside Bank of Salina 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Lakeside Bank of Salina's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Lakeside Bank of Salina's $53M falls in the highlighted band.

Safety ratios for Lakeside Bank of Salina

Tier 1 capital ratio
Well-capitalized 10%

10.75% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.75%
Texas Ratio
26.34%
Equity Capital
$6M

What these ratios mean →

Earnings posture at Lakeside Bank of Salina

Return on Assets (ROA)
93rd percentile nationally
2.17%
Return on Equity (ROE)
18.62%
Efficiency Ratio
51.34%

What these mean →

Income & expense at Lakeside Bank of Salina

$4M
Interest Income
$333K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Lakeside Bank of Salina reports a Texas Ratio of 26.34% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

26.34% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Lakeside Bank of Salina on FDIC BankFind →

Top banks in Oklahoma by total assets

Largest banks headquartered in Oklahoma
  1. 1
    BOKF $52.0B

    Tulsa, OK · Grade A

  2. 2
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  3. 3
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  4. 4
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  5. 5
    InterBank $5.5B

    Oklahoma City, OK · Grade B

Top 5 banks in Oklahoma ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($53M here), outside Oklahoma so the neighborhood is not state containment.

Talbot State Bank $53M · GA The Exchange State Bank $53M · IA The First National Bank of Wakefield $53M · MI The Farmers State Bank of Blue Mound $53M · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Lakeside Bank of Salina (FDIC Cert #21255) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Lakeside Bank of Salina Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oklahoma

All Oklahoma banks →
BankAssetsGradeROA
BOKF, National AssociationTulsa $52.0B A 1.10%
MidFirst BankOklahoma City $41.4B B 1.19%
First United Bank and Trust CompanyDurant $16.3B B 0.97%
BancFirstOklahoma City $12.1B A 1.79%
InterBankOklahoma City $5.5B B 3.60%
Stride Bank, National AssociationEnid $4.9B A 2.10%
RCB BankClaremore $4.1B A 1.32%
First Fidelity BankOklahoma City $2.9B B 0.94%