# LAKESIDE BANK OF SALINA
SALINA, OK · FDIC certificate 21255 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $54.6M | |
| Deposits | $47.8M | |
| Loans and leases | $41.5M | |
| Total equity | $6.3M | |
| Loans / deposits | 84.25% (p69 of band) | 73.59% |
| Liquid assets / assets | 21.66% (p26 of band) | |
| Uninsured deposits / deposits | 12.35% (p21 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.24% (p43 of band) | 11.76% |
| Unrealized securities loss / equity | -0.19% (p87 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.97% (p85 of band) | 1.17% |
| Net interest margin | 6.24% (p99 of band) | 3.93% |
| Efficiency ratio | 54.65% (p22 of band) | |
| Noncurrent loans | 3.32% (p93 of band) | 0.36% |
| Net charge-offs (annualized) | 0.13% (p89 of band) | |
| Reserve coverage of noncurrent | 84.16% | |
| Real estate % of loans | 40% | |
| Construction % of loans | 27.08% (p61 of band) | |
| Auto loans | $61,000 (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 1 | charge-offs p90 | uninsured deposits leaving |
| 2015-06 | 1 |  |  |
| 2015-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2015-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2016-03 | 0 |  | charge-offs p90 |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 0 |  | uninsured deposits leaving |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 | charge-offs p90 | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | deposits shrinking |  |
| 2018-06 | 2 | assets shrinking | charge-offs p90 |
| 2018-09 | 1 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | charge-offs p90 |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 0 |  | charge-offs p90, capital falling |
| 2022-06 | 1 | charge-offs p90 |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 4 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 6 | deposits shrinking, assets shrinking |  |
| 2024-03 | 4 |  | deposits shrinking, assets shrinking |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 | deposits shrinking | uninsured deposits leaving |
| 2024-12 | 3 |  | deposits shrinking |
| 2025-03 | 4 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2025-06 | 2 |  | deposits shrinking, assets shrinking |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | charge-offs p90 |  |
| 2026-06 | 2 |  | charge-offs p90 |

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

- 2023-01-10 [Nancy McFarlin's Obituary, Visitation & Funeral Information - floralhaven.com](https://news.google.com/rss/articles/CBMickFVX3lxTE5BTVhCZHFUTUtRaUd2WXhyX2JGbVcxVjdVd2hBYk1XZm1oalpsTGZFM0k3Ylk0N1N2MUpLOWhSNUtOTlA4RzR4NVNTX2ZoaUpfV3F5VWI2SkJqN1ViUzJZRk9XTjVGX2doeTFRMWx3R2xuQQ?oc=5) · floralhaven.com
- 2023-01-29 [Nancy McFarlin Obituary (1931 - 2023) - Tulsa, OK - Tulsa World - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPdDJYS3RJQmtfTXF3U1VNVGExWnJHT2dFU2dpNksyVTY4c0pUVzB1dlZVcHpXamljaGVwMWd0ZkRfaDFjTzZPNGQ5UFVkbVZ2SV9RaDVsU1BkTVJFQ3hVdEpHMld2eVI0eVZtOHA0TWdJZzNoSjVDM2pmNzczYmZBTHJfYUdGZ1hudDFGb2NWYlNDdw?oc=5) · legacy.com
- 2008-07-10 [John McFarlin Obituary (2008) - Tulsa, OK - Tulsa World - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNSGdDLUhlR0hseUp2dVBQT0pYX3c1UlozTkcxUXA4ZnpWUlNXc3ZSdUtJSmU3cGJQM0p3bkRxWWFldHdYaUZfcm9ZMGhmM2UzeDk4Zkx0aWZNbWI2VjBmc2xzVVRqWFB4OUtRUnAzN1Rkajl6ejFaOTk0QkNibzhJa2Nob2ZPb19tR2xUSGI2RnE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21255 (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/7.json (key "21255", 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