Lakeside Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 8.25 percentage points in Q2 2026, from 128.80% to 137.05%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Lakeside Bank is 42nd of 323 on loan-to-deposit ratio, 94.60% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Lakeside Bank sits 6.40 points higher, at 94.60% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.33B |
| Net loans and leases | $2.30B |
| Loans held for sale | $0 |
| Loans to total assets | 81.63% |
| Loan-to-deposit ratio | 94.60% |
| Net loans to equity capital | 7.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.76% |
| Multifamily (5+ residential) | 15.12% |
| Commercial and industrial | 6.86% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 491.58% |
| Construction concentration (Tier 1 capital + allowance) | 137.05% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.71% |
| Interest income on loans | $38.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.99B | $2.12B | 51.47% | 7.09% | 0.01% |
| Q4 2023 | $2.03B | $2.18B | 49.48% | 8.15% | 0.01% |
| Q1 2024 | $2.09B | $2.23B | 48.83% | 8.10% | 0.01% |
| Q2 2024 | $2.13B | $2.21B | 49.56% | 8.41% | 0.01% |
| Q3 2024 | $2.12B | $2.17B | 49.77% | 8.67% | 0.05% |
| Q4 2024 | $2.10B | $2.29B | 51.44% | 7.90% | 0.00% |
| Q1 2025 | $2.17B | $2.17B | 51.93% | 8.62% | 0.00% |
| Q2 2025 | $2.18B | $2.26B | 51.69% | 8.02% | 0.00% |
| Q3 2025 | $2.24B | $2.42B | 52.54% | 7.91% | 0.00% |
| Q4 2025 | $2.31B | $2.47B | 51.92% | 7.31% | 0.00% |
| Q1 2026 | $2.29B | $2.45B | 51.78% | 6.68% | 0.00% |
| Q2 2026 | $2.33B | $2.46B | 49.76% | 6.86% | 0.00% |
Lakeside Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lakeside Bank, freeSource: Call Report Schedule RC-C, 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)