LAKESIDE BANK

ROCKWALL, TX | Small | Est. July 12, 1974, midnight | FDIC #21693 | RSSD #32766 | FDIC
Latest Report: 2025-12-31

LAKESIDE BANK is asn small FDIC-insured commercial bank headquartered in ROCKWALL, TX, established in July 12, 1974, midnight. As of 2025-12-31, the bank reported total assets of $384M and total deposits of $310M. Profitability stands at 1.31% ROA and 9.62% ROE, with a net interest margin of 3.94%. The bank's CET1 capital ratio is 13.52%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #21693.

Assets

$384M

Deposits

$310M

Loans

$253M

Equity

$54M

Profitability

Return on Assets (ROA) 1.31%
Return on Equity (ROE) 9.62%
Net Interest Margin (NIM) 3.94%
Yield on Assets 7.44%
Cost of Funds 3.74%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 13.52%
Tier 1 Capital 13.52%
Total Capital Ratio 14.20%
Leverage Ratio 13.40%
Loan-to-Deposit 81.75%

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