Lakeside Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lakeside Bank of Chicago, IL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.97% | 1.43% | +0.54% | 86th top |
| ROAE | 18.62% | 12.50% | +6.12% | 86th top |
| Net Interest Margin | 4.02% | 3.84% | +0.18% | 69th above |
| Efficiency Ratio | 51.17% | 58.88% | -7.71% | 73rd above |
| PPNR / Avg Assets | 2.00% | 1.78% | +0.22% | 68th above |
| Yield on Earning Assets | 6.19% | 5.71% | +0.48% | 82nd top |
| Cost of Funds | 2.38% | 2.03% | +0.35% | 26th below |
| Net Interest Spread | 3.22% | 3.18% | +0.04% | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 0.97% | -0.89% | 91st top |
| NPA / Total Assets | 0.07% | 0.75% | -0.68% | 90th top |
| NCO / Avg Loans | -0.02% | 0.31% | -0.33% | 95th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.23% | 1.25% | -0.02% | 62nd above |
| ACL / NPLs (Coverage) | 1539.57% | 697.91% | +841.66% | — |
| Texas Ratio | 0.56% | 7.17% | -6.61% | 91st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.41% | 17.41% | -5.00% | 32nd below |
| Tier 1 Ratio | 12.41% | 17.45% | -5.04% | 32nd below |
| Total Capital Ratio | 13.56% | 18.51% | -4.95% | 32nd below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.99% | 11.60% | -0.61% | 61st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.69% | 11.33% | -0.64% | 55th above |
| TCE / Tangible Assets | 10.69% | 10.65% | +0.04% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.60% | 86.34% | +8.26% | 31st below |
| Core Deposit Ratio | 89.39% | 85.55% | +3.84% | 55th above |
| Uninsured Deposit Ratio | 51.67% | 32.69% | +18.98% | 8th bottom |
| Wholesale Funding Ratio | 2.32% | 5.46% | -3.14% | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.88% | 10.46% | -4.58% | 55th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.94% | 7.99% | -1.05% | 58th above |
| Deposit Growth (Y/Y) | 8.75% | 7.98% | +0.77% | 71st above |
See Lakeside Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lakeside Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Lakeside Bank profile, how to read a UBPR, or how this data updates.