Lakeside Bank (Chicago, IL)
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Data as of · sourced from FFIEC call reports. How we update
Lakeside Bank is an FDIC-insured commercial bank headquartered in Chicago, IL, established in 1966 (FDIC certificate 19573), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.85B, up 5.9% from Q2 2025, the 26th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 12.41% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19573
- Headquarters
- Chicago, IL
- Established
- 1966
- Total assets, Q2 2026
- $2.85B
- Assets vs Q2 2025
- +5.9%
- CET1 ratio, Q2 2026
- 12.41%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 071001504
- Holding company
- LAKESIDE BANCORP, INC.
- Asset rank in state
- 26th of 319 in Illinois
Lakeside Bank, based in Chicago, Illinois, reported $2.9 billion in assets at June 30, 2026, up 5.9% from a year earlier. It holds about half of its deposits (52%) above the FDIC insurance limit, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also holds commercial real estate loans worth 4.9 times its capital, about double the median of 2.2 times for banks its size.
Earnings jumped: net income for the quarter was $14 million, 32% above the same quarter a year earlier.
As of June 30, 2026, Lakeside Bank reported a CET1 capital ratio of 12.41%, a return on assets of 1.97%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.23%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Lakeside Bank is the 26th largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets fell 0.3% to $2.85B, loans rose 1.7% and deposits rose 0.3%. Non-owner-occupied commercial real estate loans made up 37.1% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 20.2%. Its 11 offices in the FDIC Summary of Deposits are in 6 cities in IL; its Chicago 6 offices book 84% of its branch deposits. On its Q2 2026 call report, Lakeside Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 55 W Wacker Dr, Chicago, IL 60601
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 1, 1966
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 203
- Domestic deposits
- $2.46B
- Allowance for credit losses
- $28.6M
- Net charge-offs (YTD)
- -$191K
- Average total assets
- $2.86B
- Average total loans
- $2.31B
- Average interest-bearing deposits
- $1.92B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 1, 1966
- FDIC Cert
- 19573
- Fed RSSD
- 201834
- Website
- http://WWW.LAKESIDEBANK.COM →
- Parent Holding Company
- LAKESIDE BANCORP, INC. (RSSD 2128917)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Lakeside Bank's total assets ranged from $2.56B (Q3 2023) to $2.89B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.85B total assets against $2.69B; $2.55B total liabilities against $2.41B.
$2.30B net loans and leases against $2.15B; $2.46B total deposits against $2.26B.
$181.4M securities against $196.8M; $233.9M cash and balances due against $210.4M.
$42.5M total interest income against $40.8M; $14.9M total interest expense against $16.8M.
$27.5M net interest income against $24.0M.
$1.8M total noninterest income against $1.7M; $15.1M total noninterest expense against $13.8M.
$38K provision for credit losses against $601K.
$14.1M net income against $10.7M.
1.97% return on assets against 1.58%; 4.02% net interest margin against 3.72%.
12.41% CET1 capital ratio against 12.52%; 10.99% tier 1 leverage ratio against 11.02%.
Inside the full Lakeside Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Lakeside Bank rankings
Its closest position to the top of a national ranking is 88 of 980, for uninsured deposits; its furthest is 3,134 of 3,640, for Texas Ratio.
Metric pages for Lakeside Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.27% (Q3 2024) to 1.97% (Q2 2026) and its net interest margin ran from 3.17% (Q3 2024) to 4.02% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.41% | 1.97% | 0.03% | 0.23% | 4.02% |
| Q1 2026 | 12.31% | 1.65% | 0.04% | 0.29% | 3.76% |
| Q4 2025 | 12.05% | 1.79% | 0.04% | 0.30% | 3.71% |
| Q3 2025 | 11.97% | 1.68% | 0.08% | 0.59% | 3.60% |
| Q2 2025 | 12.52% | 1.58% | 0.05% | 0.32% | 3.72% |
| Q1 2025 | 12.73% | 1.42% | 0.08% | 0.58% | 3.38% |
| Q4 2024 | 12.87% | 1.41% | 0.09% | 0.66% | 3.36% |
| Q3 2024 | 12.57% | 1.27% | 0.12% | 0.85% | 3.17% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lakeside Bank (main office) | Chicago , IL | 60601 | $536.7M |
| Board of Trade Branch | Chicago , IL | 60604 | $518.3M |
| South Loop Branch | Chicago , IL | 60605 | $426.6M |
| LakeviewLincoln Park Branch | Chicago , IL | 60657 | $227.8M |
| Bridgeport Branch | Chicago , IL | 60609 | $221.7M |
| Elmhurst Branch | Elmhurst , IL | 60126 | $183.1M |
| Chinatown Branch | Chicago , IL | 60616 | $145.8M |
| Oakbrook Terrace Branch | Oakbrook Terrace , IL | 60181 | $71.9M |
| Park Ridge Branch | Park Ridge , IL | 60068 | $60.7M |
| Naperville Branch | Naperville , IL | 60540 | $34.0M |
| Mt. Prospect Branch | Mount Prospect , IL | 60056 | $32.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 9, 1990 | Structure Change | Acquired Peoples Savings and Loan Association, Federal Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in IL, rank 36 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 103 applications, 79 loans originated, $141.1M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $520K approved, $520K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Lakeside Bank
What are Lakeside Bank's total assets?
As of the Q2 2026 filing, Lakeside Bank reported total assets of $2.85 billion in its FFIEC call report.
Where is Lakeside Bank headquartered?
It is headquartered in Chicago, IL, United States.
When was Lakeside Bank founded?
It was established in 1966, per the FDIC institution directory.
Is Lakeside Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19573). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lakeside Bank?
Lakeside Bank's primary federal regulator is the FDIC.
What is Lakeside Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.41% in its Q2 2026 call report, above regulatory requirements.
How many branches does Lakeside Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lakeside Bank's Texas Ratio?
Its Texas Ratio is 0.23% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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