# SILVER LAKE BANK
TOPEKA, KS · FDIC certificate 15323 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $548.2M | |
| Deposits | $444.5M | |
| Loans and leases | $395.3M | |
| Total equity | $56.9M | |
| Loans / deposits | 88.04% (p66 of band) | 82.04% |
| Liquid assets / assets | 26.41% (p54 of band) | |
| Uninsured deposits / deposits | 29.36% (p64 of band) | 25.97% |
| Brokered deposits | 0.54% | |
| Wholesale funding | 8.67% (p73 of band) | |
| FHLB advances / assets | 2.74% | |
| Tier 1 leverage | 10.90% (p53 of band) | 10.81% |
| Unrealized securities loss / equity | -5.90% (p58 of band) | -8.10% |
| AOCI / equity | -0.08% (p67 of band) | |
| ROA (annualized) | 1.44% (p60 of band) | 1.28% |
| Net interest margin | 4.42% (p79 of band) | 3.91% |
| Efficiency ratio | 53.61% (p26 of band) | |
| Noncurrent loans | 0.00% (p9 of band) | 0.43% |
| Net charge-offs (annualized) | 0.10% (p84 of band) | |
| Reserve coverage of noncurrent | 44377.78% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 102.55% (p88 of band) | |
| Auto loans | $855,000 (0.22% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.7% | |
| Employees | 66 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | losing money |  |
| 2012-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2012-12 | 2 |  | losing money |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | capital falling, charge-offs p90 | noncurrent p90 |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | capital falling |
| 2014-03 | 1 |  | charge-offs p90 |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 3 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2015-03 | 2 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 0 |  | wholesale funding >15% |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | construction >100% equity |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 | capital falling | construction >100% equity |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | loans exceed deposits |  |
| 2020-12 | 1 | capital falling | loans exceed deposits |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | charge-offs p90 |  |
| 2021-09 | 0 |  | capital falling, charge-offs p90 |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 1 | construction >100% equity | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-18 [It's Your Business has Linda Gwaltney and Emersen Frazier Freeman - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOZHdpNmlHUGs1dnRnd3hTeElXLUdlOW1FVUh5M1gzaC04MDJoRXN5aWZGS2RpQnJRSzZ6Unk5d1JJampaODdZakRURk5kZldHYnlpT3BGY09kNGkxY2xYZ1F6VFNJNlNhdlQ2VGRXU19WMFFBVzhHMURwbEtRVU9fejNtenN0R2JMR1owWDNyUGp6d1ktbmwxUkkxQVVhdFBDNUQzV05XMFktVFRiVFlUck1TMlY1V1d5ZEI0SFlWN2FXYTFOVVlGdQ?oc=5) · The Topeka Capital-Journal
- 2026-08-09 [June Marie Blush Obituary (2026) - Silver Lake, KS - Parker-Price & Davidson Cremations, Funerals, Receptions - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTFBfU1l6N2dFd0lBbFh3VkpRcVJ6cy1Dc2QyWnJNUEY4OHpsREY4TmZoa25Oc2lnbE5NVjd3cjNnQ09kOXJkQllieXRjN2JjQnBUZlcwYUJFYWlnMDBFNjJXT1BNdEZEdU1oNGl4RF9QNEJhbXplNHNaclRYYTVSZw?oc=5) · legacy.com
- 2025-10-03 [Town Talk | Western Kansas bank enters Douglas County market, plus new report shows the biggest banks in Lawrence - Lawrence Journal-World](https://news.google.com/rss/articles/CBMi7AFBVV95cUxNQk1hOFpNd0RlUVFqQkpab1ljZk9vRml2UV9hejh4azdaVHBfSGdRSnE2NFAyR2ZuVGNHWWI0Z2czbjRQV1JLY1NyeWZwWkZNUGVUUl9CVWp0WXFKblhPY0R3alY0SU11MVFVS1g5RzhLbFQwYnlPTjQtRnBwalJrRDNyRGx6dEVSMUlWMF9oQlFLczREeEZhWlRlMzQyNFpDRWJGOXZPend1MHBGOE1aeERZd0RaYzFheFBJaW1NSElMbEhpWDdfcjV3d21wOU9WNW1UQmRUNm9Zb3pyNEViWjV4LVdsVFZWaTVfZg?oc=5) · Lawrence Journal-World
- 2024-09-21 [Charles F. Thomas Obituary - Parker-Price & Davidson - Parker-Price & Davidson](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1zYm1sVUZLd20zd2Z1dWhXRERoa0JoSnJqSzFkSXVjSEt0S1BiN0FPeVJRaWxLa3lQM2VlOHRYbkJlNW5OcFFmTDBSZHV3UkdwbERwR2ZTbExJem1ZTGxxZEIzYXU?oc=5) · Parker-Price & Davidson
- 2022-04-30 [It's Your Business includes Helen Crow, Brent Boles, Scott Hunsicker and Rotary - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMixwFBVV95cUxNWWt3OGZpM2pJalg3cGxVcTZyWGpQSkhibGw1UngtY2VrcEpGZXA4dzBWa0tpZkxOVmk0NzdITk5UR21RZWxmWWJfNGVfQV9RVFRyMTdrc2h4N2lTdDhOU2phMEZfZFlBUW1naFlLcTlXWlhhNTQ2STM2TGlZR3MtN0d5SzdvTWtvTkQ1VVF1SWxMMFJtOEY2bFdSVHktTGpyZmZYZElzMzVVVFdieWFFYXB5V0VLNHJhSllTSHM0ZnV5NWFHSXhr?oc=5) · The Topeka Capital-Journal
- 2020-12-07 [Feds loan millions to Lawrence firm with alleged connection to Oread hotel tax scheme - kansascity.com](https://news.google.com/rss/articles/CBMifkFVX3lxTFBjQVROM2xqR0lrN2h4aXktV25ZUC1RN1IxaEROb3Uxb2dkTTBzSVQ4MWQtUzk2WmJDeTBJTWs1VnpYa1NXdWNfNjBGMkxOT0l0RW04MDNsZ3FETWpPUUNWQkM4ekZ0cDVTY0N3U2hnU3MweFd3ckRMdWdOTURsQdIBfkFVX3lxTE9uTGhLdXJmVkllLURha0lmNVE5MFY2WFJMRnI0YTV3NXBnZUNkNVY2UlNITHpVMm1GVlJpTWJpS0thRFhjNkJLeU9RQzRtZXVlQm56emdlRUd1anFjNzNZVldqZXBFRmhmSkgzd2x2aFlSYjAwUG0tZEJ1SUVLQQ?oc=5) · kansascity.com
- 2018-08-25 [Family marks 50 years owning bank - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOd1ViSm55NVhBdHdKRmFhRnZjbWg4djhlSExXbDQ3Z05zVmJHa2xUSUFRSi13MnZyaVdGZFVXRDZ3RmwyUFltUHdOUFFUWEV3cGdoZDVDSGM3YV82VUw0LXJQazFzN0pUVGprWW53UkRVYUtMUXlMc0RIMUo4MHNjZkROZWZMNU83X2Nrem03bWpVVW4weTR6X3hOSW5kaUhCXy1zbExXMjZLR2xwb0E4ck1meUhOczJKZGhR?oc=5) · The Topeka Capital-Journal
- 2012-02-25 [It's Your Business - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQUXNLX1NCcG03dTFVeEl2ektXTnY5d3o5dE9KRmt1X0llaHZiUW84bDRHczR1UmNMQndvUkVxSTdoaXo3aEFxeU5BMWlaU21QUzBwSkNMTzYxbG5JdXUwNnN4aTg3emVzanIzYkprM2NLQ0hRcUR0RThlVmxFOFZFUndKMXhUQXlWZFFV?oc=5) · The Topeka Capital-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15323 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/27.json (key "15323", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide