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.
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. Within Texas, Lakeside Bank is 129th of 345 on return on assets, 1.68% as of Q2 2026, above the middle of the field. Lakeside Bank reported 1.68% on return on assets for Q2 2026, 0.42 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.37% |
| Equity capital to assets | 14.81% |
| Tangible equity to tangible assets | 14.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.68% |
| Return on equity | 11.71% |
| Net interest margin | 3.76% |
| Efficiency ratio | 49.93% |
| Yield on earning assets | 6.27% |
| Cost of funds | 2.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.36% |
| Core deposits to total deposits | 63.35% |
| Brokered deposits to total deposits | 36.56% |
| Deposits to assets | 80.07% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.94% | 1.42% | 4.00% | 0.00% | 0.09% |
| Q4 2023 | 10.43% | 2.16% | 3.95% | 0.44% | 0.05% |
| Q1 2024 | 10.84% | 1.83% | 3.39% | 0.59% | 0.18% |
| Q2 2024 | 10.55% | 1.62% | 3.31% | 0.59% | 0.02% |
| Q3 2024 | 11.35% | 1.61% | 3.09% | 0.38% | 0.69% |
| Q4 2024 | 11.74% | 1.49% | 3.66% | 0.10% | 1.11% |
| Q1 2025 | 15.71% | 1.93% | 3.79% | 0.00% | -0.17% |
| Q2 2025 | 15.96% | 0.92% | 3.85% | 0.00% | -0.10% |
| Q3 2025 | 13.58% | 0.96% | 3.21% | 0.00% | 0.00% |
| Q4 2025 | 13.40% | 1.31% | 3.67% | 0.00% | 0.24% |
| Q1 2026 | 13.66% | 1.65% | 3.65% | 0.00% | 0.01% |
| Q2 2026 | 14.37% | 1.68% | 3.76% | 0.00% | -0.00% |
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 21693) · FFIEC NIC profile (RSSD 32766)