Bank Comparison
Lakeside Bank vs Industrial and Commercial Bank of China (usa), N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 11
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Lakeside Bank | Industrial and Commercial Bank of China (usa), N.A. |
|---|---|---|
| CET1 Ratio | 12.31% | 17.23% |
| Tier 1 Capital Ratio | 12.31% | 17.23% |
| Total Capital Ratio | 13.46% | 17.96% |
| Tier 1 Leverage Ratio | 10.74% | 16.94% |
| Equity / Assets | 10.49% | 17.20% |
Profitability
| Metric | Lakeside Bank | Industrial and Commercial Bank of China (usa), N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.65% | 0.51% |
| Return on Equity (ROE) | 15.93% | 3.04% |
| Net Interest Margin (NIM) | 3.76% | 2.96% |
| Yield on Earning Assets | 5.98% | 5.29% |
| Cost of Funds | 2.42% | 2.89% |
Asset quality
| Metric | Lakeside Bank | Industrial and Commercial Bank of China (usa), N.A. |
|---|---|---|
| Texas Ratio | 0.62% | 22.96% |
| Non-Performing Loan Ratio | 0.09% | 4.18% |
| Non-Performing Asset Ratio | 0.07% | 4.12% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.24% | 0.77% |
Balance sheet
| Metric | Lakeside Bank | Industrial and Commercial Bank of China (usa), N.A. |
|---|---|---|
| Total Assets | $2,858M | $2,864M |
| Total Deposits | $2,451M | $2,273M |
| Total Loans | $2,287M | $2,716M |
| Total Equity | $299,904K | $492,687K |
| Net Income (quarter) | $11,883K | $3,727K |
Liquidity & funding
| Metric | Lakeside Bank | Industrial and Commercial Bank of China (usa), N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 93.28% | 119.47% |
| Core Deposit Ratio | 91.88% | 78.08% |
| Uninsured Deposit Ratio | 50.19% | 33.24% |
Identity
| Metric | Lakeside Bank | Industrial and Commercial Bank of China (usa), N.A. |
|---|---|---|
| Headquarters City | CHICAGO | NEW YORK |
| Headquarters State | IL | NY |
| Asset Tier | Large | Large |
| Charter Class | 0 | 24440 |
| Regulator | FDIC | OCC |
| Domestic Branches | 11 | 14 |
| Employees (FTE) | 195 | 288 |
| Established | April 1, 1966, midnight | Feb. 14, 1983, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Lakeside Bank profile | View full Industrial and Commercial Bank of China (usa), N.A. profile | Browse all bank comparisons