Lakeside Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Accumulated other comprehensive income rose 4.5% in Q2 2026 to -$9.6M, the biggest move on this page. Lakeside Bank ranks 146th of 198 Illinois banks on CET1 ratio, in the lower half at 12.41% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Lakeside Bank sits 1.07 points lower, at 12.41% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.41% |
| Tier 1 risk-based capital ratio | 12.41% |
| Total risk-based capital ratio | 13.56% |
| Tier 1 leverage ratio | 10.99% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $314.3M |
| Tier 1 capital | $314.3M |
| Total risk-based capital | $343.4M |
| Total equity capital | $304.7M |
| Risk-weighted assets | $2.53B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.69% |
| Tangible equity to tangible assets | 10.69% |
| Equity capital to average assets | 10.66% |
| Internal capital growth rate | 5.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.2M |
| Common stock surplus | $63.2M |
| Retained earnings | $248.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.61% | 12.61% | 13.83% | 10.71% | $2.20B |
| Q4 2023 | 12.64% | 12.64% | 13.85% | 10.70% | $2.22B |
| Q1 2024 | 12.36% | 12.36% | 13.54% | 10.55% | $2.29B |
| Q2 2024 | 12.32% | 12.32% | 13.47% | 10.56% | $2.30B |
| Q3 2024 | 12.57% | 12.57% | 13.74% | 10.70% | $2.28B |
| Q4 2024 | 12.87% | 12.87% | 14.03% | 11.00% | $2.29B |
| Q1 2025 | 12.73% | 12.73% | 13.87% | 11.11% | $2.36B |
| Q2 2025 | 12.52% | 12.52% | 13.65% | 11.02% | $2.38B |
| Q3 2025 | 11.97% | 11.97% | 13.08% | 10.48% | $2.46B |
| Q4 2025 | 12.05% | 12.05% | 13.16% | 10.40% | $2.54B |
| Q1 2026 | 12.31% | 12.31% | 13.46% | 10.74% | $2.52B |
| Q2 2026 | 12.41% | 12.41% | 13.56% | 10.99% | $2.53B |
Lakeside Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Lakeside Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Lakeside Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19573) · FFIEC NIC profile (RSSD 201834)