Lakeside Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 146.04 percentage points in Q2 2026, from 1393.53% to 1539.57%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Lakeside Bank ranks 30th highest among the 323 banks headquartered in Illinois, at 1.97% (Q2 2026). Lakeside Bank's return on assets of 1.97% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.69 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.41% |
| Tier 1 risk-based capital ratio | 12.41% |
| Total risk-based capital ratio | 13.56% |
| Tier 1 leverage ratio | 10.99% |
| Equity capital to assets | 10.69% |
| Tangible equity to tangible assets | 10.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 0.56% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 1539.57% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.97% |
| Return on equity | 18.62% |
| Net interest margin | 4.02% |
| Efficiency ratio | 51.17% |
| Yield on earning assets | 6.19% |
| Cost of funds | 2.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.60% |
| Core deposits to total deposits | 89.39% |
| Brokered deposits to total deposits | 2.47% |
| Deposits to assets | 86.29% |
| Securities to assets | 6.37% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.61% | 12.61% | 13.83% | 10.71% | 1.49% |
| Q4 2023 | 12.64% | 12.64% | 13.85% | 10.70% | 1.45% |
| Q1 2024 | 12.36% | 12.36% | 13.54% | 10.55% | 1.11% |
| Q2 2024 | 12.32% | 12.32% | 13.47% | 10.56% | 1.14% |
| Q3 2024 | 12.57% | 12.57% | 13.74% | 10.70% | 1.27% |
| Q4 2024 | 12.87% | 12.87% | 14.03% | 11.00% | 1.41% |
| Q1 2025 | 12.73% | 12.73% | 13.87% | 11.11% | 1.42% |
| Q2 2025 | 12.52% | 12.52% | 13.65% | 11.02% | 1.58% |
| Q3 2025 | 11.97% | 11.97% | 13.08% | 10.48% | 1.68% |
| Q4 2025 | 12.05% | 12.05% | 13.16% | 10.40% | 1.79% |
| Q1 2026 | 12.31% | 12.31% | 13.46% | 10.74% | 1.65% |
| Q2 2026 | 12.41% | 12.41% | 13.56% | 10.99% | 1.97% |
Lakeside Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lakeside Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)