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Lakeside Bank

Rockwall, TX · Cert 21693 · PFBS Holdings Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

61

Q2 2024Q2 2026peer median (50)

Asset Quality

91

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

82

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lakeside Bank

Rockwall, TX · Cert 21693 · PFBS Holdings Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$389.2MAssets
$262.9MLoans
$311.6MDeposits
$57.7MEquity
Loan mix
74%RE $181.2M24%C&I $59.0M2%Consumer $3.8MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $275.7M12%Noninterest $35.9MQ2 2025Q2 2026

NIM

6.15%Q2 ’246.21%Q2 ’256.06%Q2 ’26+15%-1%

Non-interest income vs. expense

1.56%Q2 ’242.59%Q2 ’252.03%Q2 ’26+64%-22%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #93 of 166 inst. · $0.3B of $732.8B

0.1% Dallas
2.0% Rockwall

Executive Summary

  • Earnings: ROA of 1.31%, up 21 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.37%, down 159 bps from a year ago.
  • Funding: loans stand at 84.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.31%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.66%-6 bps YoY

Efficiency Ratio (YTD, annualized)

52.67%-1,350 bps YoY

Tier 1 Leverage Ratio

14.37%-159 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%0.97%1.00%1.30%1.31%+21 bps
Return on Equity7.04%6.50%6.81%9.28%9.19%+215 bps
Net Interest Margin3.72%3.12%3.16%3.62%3.66%-6 bps
Efficiency Ratio66.17%64.94%60.22%55.53%52.67%-1,350 bps
Non-Interest Burden2.46%2.02%1.90%2.00%1.92%-55 bps
Growth
Asset Growth (YoY)-9.19%16.66%24.68%28.27%17.02%+2,620 bps
Loan Growth (YoY)7.11%7.90%17.67%18.15%21.67%+1,456 bps
Deposit Growth (YoY)-4.30%18.03%28.63%34.81%19.38%+2,368 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.13%-0.08%0.00%0.01%0.00%+13 bps
Allowance / Loans1.07%1.05%1.15%1.15%1.16%+9 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio15.96%13.58%13.40%13.66%14.37%-159 bps
Total Risk-Based Capital15.96%13.58%13.40%13.66%14.37%-159 bps
Equity / Assets15.58%13.11%14.13%13.82%14.81%-76 bps
Liquidity & Funding
Loans / Deposits82.77%71.38%81.75%77.07%84.36%+159 bps
Liquid Assets / Assets32.81%39.78%32.43%35.79%30.98%-183 bps
CRE / Total Capitaln/a230%238%226%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Lakeside Bank

Rockwall, TX · Cert 21693 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · PFBS Holdings Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$389.2MAssets
$262.9MLoans
$311.6MDeposits
$57.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 9 of 28).
  • Widest gap: net interest margin trails 82% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 23 of 28).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.31%

Rank 8 of 28

Net Interest Margin

3.66%

Rank 23 of 28

Efficiency Ratio

53.90%

Rank 6 of 28

Equity / Assets

14.81%

Rank 6 of 28

Non-interest income vs. expense

$0.4M$8.0MINCOMEEXPENSE
Unfavorable gap of $7.5M · efficiency ratio beats 82% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 53.90%Peer median 61.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.31%1.12%1.22%1.47%Beats 71%8 / 28
Return on Equity8.85%8.64%12.47%13.41%Beats 29%20 / 28
Net Interest Margin3.66%3.77%4.06%4.51%Beats 18%23 / 28
Efficiency Ratio53.90%57.39%61.94%66.78%Beats 82%6 / 28
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.28%1.06%Beats 100%9 / 28
Net Charge-Offs / Loans0.00%0.00%0.01%0.20%Beats 82%6 / 28
Capital
Tier 1 Capital Ratio14.37%12.55%13.77%17.51%Beats 57%12 / 28
Total Risk-Based Capital Ratio14.37%12.59%14.62%18.18%Beats 46%15 / 28
Equity / Assets14.81%9.58%11.17%13.58%Beats 79%6 / 28
Liquidity & Funding
Loans / Deposits84.36%66.90%84.79%89.14%46th pctl15 / 28
Loans / Assets67.55%57.58%73.59%77.32%39th pctl17 / 28
Brokered Deposits / Depositsn/aNot reported for this institution