Lakeside Bank (Rockwall, TX)
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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 Rockwall, TX, established in 1974 (FDIC certificate 21693), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $389.2M, up 17.0% from Q2 2025, the 184th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.37% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21693
- Headquarters
- Rockwall, TX
- Established
- 1974
- Total assets, Q2 2026
- $389.2M
- Assets vs Q2 2025
- +17.0%
- Tier 1 leverage ratio, Q2 2026
- 14.37%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111906048
- Latest call report
- Q2 2026, FFIEC 051 · Lakeside Bank call report
- Holding company
- PFBS HOLDINGS, INC.
- Asset rank in state
- 184th of 346 in Texas
Lakeside Bank, based in Rockwall, Texas, reported $389 million in assets at June 30, 2026, up 17.0% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also grew its loan book 21.7% over the year, 4.0 times the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $1.6 million, 125% above the same quarter a year earlier. Funding is the softer spot: it pays an average of 2.62% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Lakeside Bank reported a return on assets of 1.68%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Lakeside Bank ranks as the 184th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.4% to $389.2M, loans rose 6.4% and deposits fell 2.8%. 1-4 family residential loans made up 28.5% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 24.3%. Its 2 offices in the FDIC Summary of Deposits are in Dallas, TX and Rockwall, TX; its Dallas office books 80% of its branch deposits. By the capital ratios in its Q2 2026 call report, Lakeside Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2805 Ridge Rd, Rockwall, TX 75032
- County
- Rockwall
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 12, 1974
- Former names
- Lakeside National Bank (1977-2019)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $311.6M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $392.0M
- Average total loans
- $254.9M
- Average interest-bearing deposits
- $316.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 12, 1974
- FDIC Cert
- 21693
- Fed RSSD
- 32766
- Website
- http://www.LBTEXAS.com →
- Parent Holding Company
- PFBS HOLDINGS, INC. (RSSD 5375785)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Lakeside Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Lakeside Bank's total assets ran between $307.8M (Q1 2025) and $404.6M (Q3 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
$389.2M total assets against $332.6M; $331.5M total liabilities against $280.8M.
$259.8M net loans and leases against $213.7M; $311.6M total deposits against $261.0M.
$0 securities against $0; $122.0M cash and balances due against $110.7M.
$6.1M total interest income against $5.0M; $2.4M total interest expense against $2.1M.
$3.6M net interest income against $3.0M.
$124K total noninterest income against $111K; $1.9M total noninterest expense against $2.0M.
$199K provision for credit losses against $345K.
$1.6M net income against $729K.
1.68% return on assets against 0.92%; 3.76% net interest margin against 3.85%.
14.37% tier 1 leverage ratio against 15.96%.
Inside the full Lakeside Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLakeside Bank rankings
Its closest position to the top of a national ranking is 766 of 3,606, for efficiency ratio; its furthest is 3,434 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.92% (Q2 2025) to 1.93% (Q1 2025) and its net interest margin ran from 3.09% (Q3 2024) to 3.85% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.37% | 1.68% | 0.00% | 0.00% | 3.76% |
| Q1 2026 | 13.66% | 1.65% | 0.00% | 0.00% | 3.65% |
| Q4 2025 | 13.40% | 1.31% | 0.00% | 0.00% | 3.67% |
| Q3 2025 | 13.58% | 0.96% | 0.00% | 0.00% | 3.21% |
| Q2 2025 | 15.96% | 0.92% | 0.00% | 0.00% | 3.85% |
| Q1 2025 | 15.71% | 1.93% | 0.00% | 0.00% | 3.79% |
| Q4 2024 | 11.74% | 1.49% | 0.10% | 0.46% | 3.66% |
| Q3 2024 | 11.35% | 1.61% | 0.38% | 1.83% | 3.09% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Dallas-Berkshire Branch | Dallas , TX | 75225 | $249.4M |
| Lakeside Bank (main office) | Rockwall , TX | 75032 | $62.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- September 10, 1991, OCC: Formal Agreement: Lakeside National Bank
- Period: Most recent institution action September 10, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 234 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $965K approved, $482K 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
- Mortgage lending (HMDA), 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 $389.2 million in its FFIEC call report.
Where is Lakeside Bank headquartered?
It is headquartered in Rockwall, TX, United States.
When was Lakeside Bank founded?
It was established in 1974, per the FDIC institution directory.
Is Lakeside Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21693). 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.
How many branches does Lakeside Bank operate?
It operates 2 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 0.00% 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.
What was Lakeside Bank previously called?
The charter now named Lakeside Bank has also operated as Lakeside National Bank (1977-2019), per FDIC structure-change records.
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