Chicago, IL · Cert 19573 · Lakeside Bcorp Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.4% share · #30 of 147 inst. · $2.5B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 1.00% | 1.14% | 1.21% | 1.25% | 1.31% | 1.32% | 1.44% | +23 bps | |
| Return on Equity | 9.74% | 10.11% | 10.88% | 11.51% | 12.05% | 12.68% | 12.68% | 13.72% | +222 bps | |
| Net Interest Margin | 2.90% | 2.98% | 3.23% | 3.40% | 3.32% | 3.28% | 3.60% | 3.75% | +35 bps | |
| Efficiency Ratio | 58.93% | 59.00% | 58.60% | 56.11% | 55.15% | 53.74% | 54.44% | 52.84% | -328 bps | |
| Non-Interest Burden | 1.62% | 1.66% | 1.81% | 1.81% | 1.72% | 1.65% | 1.86% | 1.86% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.95% | 2.21% | -0.94% | 2.02% | 8.80% | 7.14% | 8.05% | 5.88% | +385 bps | |
| Loan Growth (YoY) | 6.71% | 3.47% | 3.98% | 2.09% | 5.34% | 10.00% | 5.25% | 6.94% | +485 bps | |
| Deposit Growth (YoY) | 2.71% | 4.89% | -2.29% | 2.54% | 11.22% | 8.12% | 12.77% | 8.75% | +621 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.09% | 0.08% | 0.05% | 0.08% | 0.04% | 0.04% | 0.03% | -1 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | -0.01% | 0.03% | 0.02% | 0.01% | -0.01% | -0.02% | -5 bps | |
| Allowance / Loans | 1.24% | 1.26% | 1.21% | 1.22% | 1.21% | 1.21% | 1.24% | 1.23% | +1 bps | |
| Allowance Coverage of NPLs | 10.5x | 13.2x | 14.6x | 26.6x | 14.9x | 28.9x | 29.8x | 36.9x | +10.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.70% | 11.00% | 11.11% | 11.02% | 10.48% | 10.40% | 10.74% | 10.99% | -3 bps | |
| Total Risk-Based Capital | 13.74% | 14.03% | 13.87% | 13.65% | 13.08% | 13.16% | 13.46% | 13.56% | -9 bps | |
| Equity / Assets | 10.30% | 10.24% | 10.74% | 10.53% | 9.97% | 10.26% | 10.49% | 10.69% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.74% | 91.80% | 99.95% | 96.20% | 92.57% | 93.39% | 93.28% | 94.60% | -159 bps | |
| Liquid Assets / Assets | 5.18% | 9.56% | 4.70% | 7.43% | 10.38% | 9.52% | 9.33% | 7.84% | +41 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 638% | 639% | 633% | n/a | n/a | |