LAKESIDE BANK

LAKE CHARLES, LA | Small | Est. July 26, 2010, midnight | FDIC #58961 | RSSD #4165907 | FDIC
Latest Report: 2025-12-31

LAKESIDE BANK is asn small FDIC-insured commercial bank headquartered in LAKE CHARLES, LA, established in July 26, 2010, midnight. As of 2025-12-31, the bank reported total assets of $386M and total deposits of $288M. Profitability stands at 0.77% ROA and 8.29% ROE, with a net interest margin of 2.89%. The bank's CET1 capital ratio is 13.95%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.87% and a Texas Ratio of 5.34%. FDIC Certificate #58961.

Assets

$386M

Deposits

$288M

Loans

$236M

Equity

$36M

Profitability

Return on Assets (ROA) 0.77%
Return on Equity (ROE) 8.29%
Net Interest Margin (NIM) 2.89%
Yield on Assets 5.29%
Cost of Funds 2.46%

Asset Quality

NPL Ratio 0.87%
Net Charge-Off Ratio 0.05%
Texas Ratio 5.34%
NPA Ratio 0.54%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 13.95%
Tier 1 Capital 13.95%
Total Capital Ratio 15.02%
Leverage Ratio 9.39%
Loan-to-Deposit 82.17%

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