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Silver Lake Bank
Topeka, KS · FDIC Certificate #15323 · Chartered 01/0
Total assets
$548.25M
Total deposits
$444.51M
Total equity
$56.94M
Net loans
$391.33M
Branches (offices)
6
Net income (YTD)
$3.78M
Rank: #1,673 of 4,213 U.S. banks by assets · #36 of 183 in Kansas. Assets changed 8.5% and deposits 7.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.44% |
| Return on equity | 13.74% |
| Net interest margin (YTD) | 4.42% |
| Equity to assets | 10.39% |
| Tier 1 leverage ratio | 10.90% |
| Uninsured deposits (share of deposits) | 29.4% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 88.0% |
| Real estate loans (share of loans) | 78.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $308.74M | 78.9% | |
| Commercial & industrial | $73.35M | 18.7% | |
| Consumer / individual | $1.97M | 0.5% | |
| Construction & development | $58.39M | 14.9% | |
| Agricultural | $8.66M | 2.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $412.44M | $328.70M | $2.17M | $37.63M |
| Jun 2023 | $442.20M | $355.38M | $2.06M | $41.19M |
| Jun 2024 | $489.86M | $398.35M | $2.12M | $44.69M |
| Jun 2025 | $505.21M | $412.60M | $3.40M | $49.21M |
| Jun 2026 | $548.25M | $444.51M | $3.78M | $56.94M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $444.51M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $444.51M.
Similar-sized banks
The Cooperative Bank ($548.29M) · Belgrade State Bank ($548.02M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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