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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