Lakeside Bank
Chicago, IL · Cert 19573 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Lakeside Bcorp Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
$2.9BAssets
$2.3BLoans
$2.5BDeposits
$304.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 4 of 31).
- Widest gap: efficiency ratio trails 61% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 20 of 31).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.45%
Rank 12 of 31
Net Interest Margin
3.75%
Rank 8 of 31
Efficiency Ratio
52.84%
Rank 20 of 31
Equity / Assets
10.69%
Rank 10 of 31
Non-interest income vs. expense
Unfavorable gap of $53.3M · efficiency ratio beats 39% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 1.15% | 1.39% | 1.64% | Beats 61% | 12 / 31 | |
| Return on Equity | 13.53% | 11.05% | 13.35% | 16.66% | Beats 52% | 15 / 31 | |
| Net Interest Margin | 3.75% | 3.00% | 3.28% | 3.75% | Beats 74% | 8 / 31 | |
| Efficiency Ratio | 52.84% | 37.25% | 50.71% | 61.60% | Beats 39% | 20 / 31 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.18% | 0.41% | 1.00% | Beats 94% | 3 / 31 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.04% | 0.11% | Beats 100% | 4 / 31 | |
| Capital |
| Tier 1 Capital Ratio | 12.41% | 10.88% | 11.50% | 13.72% | Beats 65% | 11 / 31 | |
| Total Risk-Based Capital Ratio | 13.56% | 11.53% | 12.02% | 14.77% | Beats 68% | 10 / 31 | |
| Equity / Assets | 10.69% | 8.90% | 10.15% | 11.24% | Beats 68% | 10 / 31 | |
| Liquidity & Funding |
| Loans / Deposits | 94.60% | 80.56% | 87.67% | 94.53% | 77th pctl | 7 / 31 | |
| Loans / Assets | 81.63% | 67.81% | 73.77% | 76.85% | 90th pctl | 3 / 31 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |