Silver Lake Bank: how it compares with its peers
Against 58 KS banks with half to twice its assets, Silver Lake Bank's strongest measure in Q2 2026 is assets per employee ($8.3M vs. a $6.7M peer median). Its weakest relative measure is return on assets (1.44% vs. 1.54%).
| Measure | Silver Lake Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.44% | 1.54% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.42% | 3.97% | Top third Ahead of 76% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.61% | 55.45% | Middle third Ahead of 55% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.3M | $6.7M | Top third Ahead of 78% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.04% | 77.15% | Context |
What it means for lending operations
Its efficiency ratio of 53.61% is better than the 55.45% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Citizens Bank of Kansas Kingman, KS · $548M
- Bank of the Flint Hills Wamego, KS · $545M
- Labette Bank Altamont, KS · $544M
- The Peoples Bank Pratt, KS · $531M
- Mid-America Bank Baldwin City, KS · $573M
- First State Bank and Trust Tonganoxie, KS · $515M
Questions about Silver Lake Bank
How big is Silver Lake Bank?
Silver Lake Bank, established in 1909, is headquartered in Topeka, KS. It reported $548M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Silver Lake Bank's return on assets?
1.44% annualized in Q2 2026, against a 1.54% median for 58 KS banks with half to twice its assets, ahead of 36% of them.
What is Silver Lake Bank's efficiency ratio?
53.61% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 55.45%, and lower is better.
Is Silver Lake Bank growing its loans?
Net loans grew 12.0% over the year to Q2 2026, while deposits grew 7.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.