Bank Safety Analysis
Lakeside Bank: final safety record
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In Q2 2026, nonperforming loan ratio (nonaccrual plus 90+ days past due) edged down by 0.11 percentage points, from 1.03% to 0.92%, the largest move among the key lines here. At 14.79%, Lakeside Bank's CET1 ratio is close to the 15.08% median for banks in the $100M-1B asset tier (Q2 2026). From Q3 2023 to Q2 2026, Lakeside Bank's CET1 ratio ranged between 12.21% (Q3 2023) and 14.79% (Q2 2026) and its Texas ratio ranged between 0.12% (Q3 2023) and 11.70% (Q1 2024). Between Q2 2025 and Q2 2026, Lakeside Bank's CET1 ratio rose from 14.30% to 14.79%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.88% to 0.92%, Texas ratio fell from 5.51% to 5.32% and return on assets rose from 0.31% to 0.55%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 14.79% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 9.69% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.92% are within industry-normal range.
Texas Ratio of 5.3% is well below the 100% historical failure threshold.
Efficiency ratio of 67.5% is inside the 75% pass line, though above the 65% level typical of lower-cost banks.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 14.79% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 5.32% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.92% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 80.04% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 287.78% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 4.87% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 14.79% |
| Q1 2026 | 14.51% |
| Q4 2025 | 13.95% |
| Q3 2025 | 14.58% |
| Q2 2025 | 14.30% |
| Q1 2025 | 14.14% |
| Q4 2024 | 13.82% |
| Q3 2024 | 13.02% |
| Q2 2024 | 12.47% |
| Q1 2024 | 12.92% |
| Q4 2023 | 12.58% |
| Q3 2023 | 12.21% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 5.32% |
| Q1 2026 | 6.09% |
| Q4 2025 | 5.34% |
| Q3 2025 | 6.62% |
| Q2 2025 | 5.51% |
| Q1 2025 | 6.49% |
| Q4 2024 | 6.46% |
| Q3 2024 | 9.71% |
| Q2 2024 | 10.44% |
| Q1 2024 | 11.70% |
| Q4 2023 | 1.80% |
| Q3 2023 | 0.12% |
Lakeside Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 14.79% | 0.92% | 5.32% | 0.55% |
| Mar 31, 2026 | 14.51% | 1.03% | 6.09% | 0.59% |
| Dec 31, 2025 | 13.95% | 0.87% | 5.34% | 0.77% |
| Sep 30, 2025 | 14.58% | 1.10% | 6.62% | 0.53% |
| Jun 30, 2025 | 14.30% | 0.88% | 5.51% | 0.31% |
| Mar 31, 2025 | 14.14% | 0.90% | 6.49% | 0.45% |
| Dec 31, 2024 | 13.82% | 0.85% | 6.46% | 0.53% |
| Sep 30, 2024 | 13.02% | 1.43% | 9.71% | 0.61% |
| Jun 30, 2024 | 12.47% | 1.51% | 10.44% | 0.17% |
| Mar 31, 2024 | 12.92% | 1.75% | 11.70% | 0.51% |
| Dec 31, 2023 | 12.58% | 0.26% | 1.80% | 0.63% |
| Sep 30, 2023 | 12.21% | 0.02% | 0.12% | 0.71% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 58961) · FFIEC NIC profile (RSSD 4165907)
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