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%.
Tangible equity to tangible assets climbed 1.00 percentage points in Q2 2026, from 13.47% to 14.47%. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.37% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $56.1M |
| Tier 1 capital | $56.1M |
| Total risk-based capital | — |
| Total equity capital | $57.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.81% |
| Tangible equity to tangible assets | 14.47% |
| Equity capital to average assets | 14.71% |
| Internal capital growth rate | 0.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $320K |
| Common stock surplus | $44.3M |
| Retained earnings | $13.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.94% | 10.24% | 9.76% |
| Q4 2023 | 10.43% | 11.38% | 10.88% |
| Q1 2024 | 10.84% | 11.09% | 10.62% |
| Q2 2024 | 10.55% | 11.48% | 11.02% |
| Q3 2024 | 11.35% | 13.06% | 12.60% |
| Q4 2024 | 11.74% | 15.20% | 14.71% |
| Q1 2025 | 15.71% | 16.17% | 15.69% |
| Q2 2025 | 15.96% | 15.58% | 15.15% |
| Q3 2025 | 13.58% | 13.11% | 12.75% |
| Q4 2025 | 13.40% | 14.13% | 13.76% |
| Q1 2026 | 13.66% | 13.82% | 13.47% |
| Q2 2026 | 14.37% | 14.81% | 14.47% |
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 21693) · FFIEC NIC profile (RSSD 32766)