Lakeside Bank
Lakeside Bank reported total assets of $2.9 bn at Q2 2026, up 5.9% on a year earlier, the 445th largest of 497 banks in our US coverage. The CET1 capital ratio at Lakeside Bank was 12.41%, and the uninsured share of Lakeside Bank was 51.67%. Source: FDIC Call Reports.
Key takeaways
- Lakeside Bank reports one of the lowest net charge-offs to average loans readings among banks of $1 bn to $10 bn: -0.02% at , where the median of the 339 banks is 0.06% (FDIC Call Reports).
- The noncurrent loans to total loans of Lakeside Bank, 0.03% at , places Lakeside Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 0.58%; FDIC Call Reports).
- On return on equity (ROE), Lakeside Bank climbed from 119th to 75th among 500 US banks between and (1 = highest; FDIC Call Reports).
What sets Lakeside Bank apart
How large is Lakeside Bank?
The balance sheet of Lakeside Bank at : assets $2.9 bn, deposits $2.5 bn, net loans $2.3 bn (loans equal to 93.44% of deposits). Securities make up 6.4% of total assets at Lakeside Bank. Since , when Lakeside Bank held $1.3 bn, its assets grew 115.7%. In the year to , deposits at Lakeside Bank rose 8.7% while its total assets rose 5.9%. At , Lakeside Bank employed 203 full-time equivalent staff across 11 offices, about $14.0 mn of assets per employee and $223.6 mn of deposits per office.
How much funding at Lakeside Bank is uninsured?
At Lakeside Bank, uninsured deposits (above the FDIC limit) made up 51.67% of domestic deposits at (+2.27 pp on a year earlier); Lakeside Bank ranks 71st of 500 on this measure. In dollars, Lakeside Bank estimated $1.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.5 bn | +8.7% | 431st of 499 |
| Net loans and leases | $2.3 bn | +6.9% | 393rd of 500 |
| Loan-to-deposit ratio | 93.44% | -1.59 pp | 142nd of 500 |
| Tier 1 leverage ratio | 10.99% | -0.03 pp | 173rd of 500 |
| Total risk-based capital ratio | 13.56% | -0.09 pp | 298th of 448 |
| Net interest margin | 3.94% | +0.32 pp | 160th of 500 |
| Return on assets (ROA) | 1.81% | +0.30 pp | 76th of 500 |
| Efficiency ratio | 52.84% | -3.28 pp | 189th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $11.0 mn | Narrowed by $3.6 mn | |
| Noncurrent loans to total loans | 0.03% | -0.01 pp | 18th of 500 (1 = lowest) |
| Net charge-offs to average loans | -0.02% | -0.05 pp | 17th of 500 (1 = lowest) |
US rank of Lakeside Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Lakeside Bank: assets, deposits and loans
- Total assets $2.9bn
- Deposits $2.5bn
- Net loans $2.3bn
Capital and securities
The CET1 ratio of Lakeside Bank stood at 12.41% in , -0.11 pp year on year. Low and high at Lakeside Bank since : 11.97% () to 15.53% (). Equity capital of Lakeside Bank at : $304.7 mn, or 10.7% of total assets. Lakeside Bank also reported a total capital ratio of 13.56% for , and a tier 1 leverage ratio of 10.99%.
The available-for-sale portfolio of Lakeside Bank showed an unrealized loss of $11.0 mn at ; the loss narrowed by $3.6 mn over the year.
Lakeside Bank: capital ratios
- Total capital 14%
- CET1 12%
- Tier 1 leverage 11%
Lakeside Bank: unrealized securities gains and losses
- Available for sale -$11mn
- Held to maturity $0
Profitability and loan quality
For the year to , Lakeside Bank earned a return on equity of 17.28%; return on assets: 1.81%. Net interest margin at Lakeside Bank: 3.94%, +0.32 pp in a year. Lakeside Bank net income: $26.0 mn, up 28.2% year on year. The efficiency ratio of Lakeside Bank was 52.84%: about 53 cents cost per revenue dollar, against 65 cents at the median peer.
At , noncurrent loans were 0.03% of total loans at Lakeside Bank; net charge-offs: -0.02% of average loans. Gross loans and leases at Lakeside Bank: $2.3 bn, up 6.9% in a year.
Lakeside Bank: profitability
- Return on equity 17%
- Net interest margin 3.9%
- Return on assets 1.8%
Peer group of Lakeside Bank
The peer group of Lakeside Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Lakeside Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Illinois. Against them, Lakeside Bank shows CET1 ratio 12.41% against a peer median of 14.24%, return on equity 17.28% against a peer median of 8.93% and uninsured deposit share 51.67% against a peer median of 40.05%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Bank Independent | State member bank | AL | $2.9 bn | 13.22% | 6.52% | 42.85% | |
| Industrial and Commercial Bank of China USA | National bank | NY | $2.9 bn | 17.53% | 3.88% | 37.25% | |
| ANB Bank | State member bank | CO | $2.9 bn | 14.59% | 13.09% | 47.27% | |
| Lakeside Bank | State nonmember bank | IL | $2.9 bn | 12.41% | 17.28% | 51.67% | |
| American Momentum Bank | State nonmember bank | TX | $2.8 bn | 24.90% | 5.78% | 47.53% | |
| Armstrong Bank | State member bank | OK | $2.8 bn | 13.89% | 17.13% | 24.46% | |
| Habib American Bank | State nonmember bank | NY | $2.8 bn | 12.79% | 11.35% | 31.96% | |
. FDIC Call Reports.
Last eight quarters
Two years at Lakeside Bank, to : assets +9.2%, deposits +13.1%, equity +13.3%. Staff 189 to 203; offices 9 to 11.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.6 bn | $2.7 bn | $2.6 bn | $2.7 bn | $2.8 bn | $2.9 bn | $2.9 bn | $2.9 bn |
| Total deposits | $2.2 bn | $2.3 bn | $2.2 bn | $2.3 bn | $2.4 bn | $2.5 bn | $2.5 bn | $2.5 bn |
| Bank equity capital | $268.8 mn | $276.5 mn | $284.2 mn | $283.4 mn | $283.1 mn | $296.8 mn | $299.9 mn | $304.7 mn |
| CET1 ratio | 12.57% | 12.87% | 12.73% | 12.52% | 11.97% | 12.05% | 12.31% | 12.41% |
| Return on equity (ROE) | 12.16% | 12.60% | 13.64% | 14.40% | 15.16% | 15.88% | 15.93% | 17.28% |
| Uninsured share of domestic deposits | 46.31% | 48.70% | 48.58% | 49.40% | 50.61% | 49.52% | 50.19% | 51.67% |
| Full-time equivalent employees | 189 | 190 | 196 | 209 | 202 | 200 | 195 | 203 |
| Number of offices | 9 | 9 | 10 | 10 | 11 | 11 | 11 | 11 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Lakeside Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Lakeside Bank?
Lakeside Bank reported $2.9 bn at in its Call Report. That makes Lakeside Bank the 445th largest of 497 banks in our US coverage.
Is Lakeside Bank the same as its holding company?
No. This page covers Lakeside Bank, FDIC certificate 19573; LAKESIDE BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Lakeside Bank profitable?
Lakeside Bank reported net income of $26.0 mn for the year to ; annualized return on equity: 17.28%. So yes: Lakeside Bank made a profit over these months.
When is data for Lakeside Bank next updated?
Figures from Lakeside Bank for are due after .
Where can I check the figures for Lakeside Bank?
In the FDIC BankFind Suite record for certificate 19573, and in the Call Reports of Lakeside Bank (RSSD ID 201834) at the FFIEC Central Data Repository.