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 Rockwall, TX against its peer group of 2672 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 | 1.68% | 1.34% | +0.34% | 73rd above |
| ROAE | 11.71% | 13.31% | -1.60% | 46th below |
| Net Interest Margin | 3.76% | 3.93% | -0.17% | 40th below |
| Efficiency Ratio | 49.93% | 61.14% | -11.21% | 81st top |
| PPNR / Avg Assets | 1.88% | 1.68% | +0.20% | 67th above |
| Yield on Earning Assets | 6.27% | 5.67% | +0.60% | 79th top |
| Cost of Funds | 2.62% | 1.88% | +0.74% | 12th bottom |
| Net Interest Spread | 3.02% | 3.32% | -0.30% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 76th top |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 46th below |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
| Provision / NCO | 5033.33% | 1393.40% | +3639.93% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.37% | 12.14% | +2.23% | 83rd top |
| Equity / Assets | 14.81% | 11.37% | +3.44% | 88th top |
| TCE / Tangible Assets | 14.47% | 11.09% | +3.38% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.36% | 80.64% | +3.72% | 42nd below |
| Core Deposit Ratio | 63.35% | 86.87% | -23.52% | 2nd bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.88% | 5.03% | -0.15% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 17.02% | 6.85% | +10.17% | 93rd top |
| Loan Growth (Y/Y) | 21.67% | 7.90% | +13.77% | 93rd top |
| Deposit Growth (Y/Y) | 19.38% | 6.28% | +13.10% | 94th top |
See Lakeside Bank's peers by name
The 2672 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.