TellerScore

Silver Lake Bank (FDIC certificate #15323) is based in Topeka, Kansas. Its Q2 2026 call report shows $548.2M in total assets and $444.5M in deposits and 6 offices.

Based on its Q2 2026 filing, Silver Lake Bank scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 76th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (56/100; 88% loans-to-deposits, 29% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Tier 1 leverage ratio: 10.90%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings78/100
Return on assets (annualized): 1.44%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 88.0% · 29.4% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.01%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 77).

TellerScore
707477Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202471
Q4 202472
Q1 202577
Q2 202576
Q3 202574
Q4 202577
Q1 202677
Q2 202677
Tier 1 leverage ratio
5.00%8.00%11.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.29%
Q3 202410.28%
Q4 202410.61%
Q1 202510.85%
Q2 202510.64%
Q3 202510.61%
Q4 202511.00%
Q1 202610.71%
Q2 202610.90%
Noncurrent loans
0.00%0.04%0.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.00%
Q4 20240.08%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.93%1.18%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.93%
Q3 20240.94%
Q4 20241.00%
Q1 20251.41%
Q2 20251.41%
Q3 20251.31%
Q4 20251.43%
Q1 20261.43%
Q2 20261.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$548.2M10.90%0.00%1.44%88.0%
Q1 202677$534.3M10.71%0.00%1.43%84.6%
Q4 202577$494.1M11.00%0.00%1.43%91.6%
Q3 202574$471.7M10.61%0.00%1.31%97.6%
Q2 202576$505.2M10.64%0.00%1.41%84.7%
Q1 202577$479.6M10.85%0.00%1.41%85.3%
Q4 202472$456.7M10.61%0.08%1.00%89.4%
Q3 202471$465.1M10.28%0.00%0.94%91.4%
Q2 202470$489.9M10.29%0.02%0.93%86.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.90%
49th
Total risk-based capital0.00%
24th
Problem loans0.00%
87th
Net charge-offs0.13%
17th
Return on assets1.44%
62nd
Net interest margin4.42%
76th
Efficiency ratio53.6%
75th
Loans to deposits88.0%
31st
Uninsured deposits29.4%
30th
Loan-loss reserves1.01%
28th
Texas ratio0.0%
88th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Bank of KansasBank Kingman, KS72 out of 100, Strong$548.4M8.5%0.02%vs
Bank of the Flint HillsBank Wamego, KS71 out of 100, Strong$544.5M8.6%0.03%vs
Labette BankBank Altamont, KS68 out of 100, Moderate$544.4M13.1%1.73%vs
The Peoples BankBank Pratt, KS75 out of 100, Strong$531.1M9.3%0.37%vs
Mid-America BankBank Baldwin City, KS76 out of 100, Strong$573.3M10.2%0.13%vs
First State Bank and TrustBank Tonganoxie, KS66 out of 100, Moderate$514.9M8.6%0.48%vs

Deposit insurance

Is my money safe at Silver Lake Bank?

Yes. Silver Lake Bank is an FDIC-insured institution (FDIC certificate #15323). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.4% of deposits ($130.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.90%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Silver Lake Bank lists 6 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Silver Lake Bank reported 190 home-loan applications under HMDA (LEI 549300LK4WOVIJ8FAK87): 165 originated ($35,125,000 total), 11 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Silver Lake Bank
Former names
The Silver Lake State Bank
Type
State-chartered bank
FDIC certificate #
15323
RSSD ID
326054
Primary regulator
FDIC
Holding company
Gideon Management L L C
Established
January 1, 1909
Headquarters
201 Nw Us Highway 24, Topeka, KS 66608
Employees
66

Quick answers

Silver Lake Bank: common questions

Is Silver Lake Bank FDIC insured?

Yes. Silver Lake Bank is an FDIC-insured institution (FDIC certificate #15323). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Silver Lake Bank's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Silver Lake Bank ever failed?

There is no failure record for FDIC certificate #15323 in the FDIC failed bank list.

How many branches does Silver Lake Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Topeka

InstitutionScoreAssetsCapitalProblem loansCompare
Topeka Firemen'S Credit UnionCredit union Topeka, KS92 out of 100, Very strong$11.7M25.8%0.03%vs
Topeka Police Credit UnionCredit union Topeka, KS88 out of 100, Very strong$6.3M15.7%0.05%vs
Empower Blue Credit UnionCredit union Topeka, KS88 out of 100, Very strong$55.1M18.1%0.10%vs
The Denison State BankBank Holton, KS87 out of 100, Very strong$453.6M17.5%1.08%vs
1st Kansas Credit UnionCredit union Topeka, KS86 out of 100, Very strong$12.2M19.9%0.41%vs
Community BankBank Topeka, KS83 out of 100, Strong$188.8M11.5%0.22%vs