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.
Loan-to-deposit ratio climbed 7.29 percentage points in Q2 2026, from 77.07% to 84.36%. It was the largest change from Q1 2026 among the key lines here. Lakeside Bank ranks 100th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 84.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Lakeside Bank sits 3.52 points higher, at 84.36% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $262.9M |
| Net loans and leases | $259.8M |
| Loans held for sale | $0 |
| Loans to total assets | 67.55% |
| Loan-to-deposit ratio | 84.36% |
| Net loans to equity capital | 4.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.82% |
| Multifamily (5+ residential) | 2.08% |
| Commercial and industrial | 24.34% |
| Consumer | 0.70% |
| 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) | 145.40% |
| Construction concentration (Tier 1 capital + allowance) | 63.48% |
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 | 7.26% |
| Interest income on loans | $4.6M |
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 | $187.2M | $287.4M | 35.03% | 19.51% | 1.51% |
| Q4 2023 | $191.6M | $261.3M | 34.10% | 18.52% | 1.75% |
| Q1 2024 | $202.9M | $278.5M | 37.16% | 18.80% | 1.04% |
| Q2 2024 | $201.7M | $272.8M | 37.21% | 18.71% | 0.76% |
| Q3 2024 | $219.4M | $281.0M | 35.45% | 19.05% | 0.99% |
| Q4 2024 | $215.1M | $240.7M | 33.32% | 22.01% | 0.79% |
| Q1 2025 | $209.1M | $237.7M | 32.57% | 22.05% | 0.75% |
| Q2 2025 | $216.1M | $261.0M | 35.80% | 23.56% | 0.90% |
| Q3 2025 | $236.7M | $331.6M | 33.37% | 24.40% | 0.88% |
| Q4 2025 | $253.1M | $309.7M | 32.75% | 24.26% | 2.30% |
| Q1 2026 | $247.0M | $320.5M | 32.86% | 23.90% | 1.52% |
| Q2 2026 | $262.9M | $311.6M | 28.82% | 24.34% | 0.70% |
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 21693) · FFIEC NIC profile (RSSD 32766)