Lake Charles, LA · Cert 58961 · Lakeside Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
38
Profitability
22
Liquidity
98
Efficiency
51
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.
Lake Charles, LA · Cert 58961 · Lakeside Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Lake Charles, LA · 2026 SOD (annual) · 4.6% share · #9 of 20 inst. · $0.3B of $6.1B
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 | 0.43% | 0.45% | 0.44% | 0.37% | 0.43% | 0.52% | 0.59% | 0.57% | +20 bps | |
| Return on Equity | 4.57% | 4.82% | 4.70% | 4.00% | 4.61% | 5.55% | 6.27% | 6.03% | +203 bps | |
| Net Interest Margin | 2.64% | 2.60% | 2.44% | 2.43% | 2.39% | 2.44% | 2.69% | 2.73% | +30 bps | |
| Efficiency Ratio | 76.89% | 77.24% | 70.71% | 74.35% | 72.77% | 69.93% | 67.84% | 67.67% | -669 bps | |
| Non-Interest Burden | 1.95% | 1.93% | 1.42% | 1.62% | 1.58% | 1.56% | 1.72% | 1.73% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.13% | 1.99% | 5.67% | 8.31% | 5.30% | 5.55% | 3.88% | 1.23% | -708 bps | |
| Loan Growth (YoY) | 1.49% | -1.02% | -1.70% | -7.63% | -8.66% | -1.79% | -2.81% | -1.65% | +598 bps | |
| Deposit Growth (YoY) | -6.14% | -4.97% | 7.03% | 10.56% | 6.35% | 7.03% | 5.25% | 1.59% | -897 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.43% | 0.85% | 0.90% | 0.88% | 1.10% | 0.87% | 1.03% | 0.92% | +4 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.66% | 0.01% | 0.14% | 0.10% | 0.05% | 0.02% | 0.03% | -10 bps | |
| Allowance / Loans | 1.19% | 0.75% | 0.92% | 0.95% | 1.03% | 1.11% | 1.22% | 1.30% | +35 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 1.0x | 1.1x | 0.9x | 1.3x | 1.2x | 1.4x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.53% | 9.53% | 9.64% | 9.57% | 9.25% | 9.39% | 9.59% | 9.69% | +12 bps | |
| Total Risk-Based Capital | 14.20% | 14.59% | 15.08% | 15.25% | 15.59% | 15.02% | 15.67% | 16.03% | +78 bps | |
| Equity / Assets | 9.34% | 9.27% | 9.51% | 9.19% | 9.33% | 9.34% | 9.59% | 9.49% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.31% | 89.54% | 89.65% | 82.68% | 80.99% | 82.17% | 82.78% | 80.04% | -264 bps | |
| Liquid Assets / Assets | 24.58% | 26.12% | 25.18% | 22.23% | 21.19% | 12.15% | 13.94% | 15.71% | -652 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 436% | 456% | 439% | n/a | n/a | |
Lake Charles, LA · Cert 58961 · Peer group: banks under $1B in assets (n=581-629) · Lakeside Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
0.57%
Rank 484 of 629
Net Interest Margin
2.73%
Rank 539 of 629
Efficiency Ratio
67.67%
Rank 312 of 629
Equity / Assets
9.49%
Rank 427 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.57% | 0.60% | 1.01% | 1.45% | Beats 23% | 484 / 629 | ||
| Return on Equity | 6.01% | 5.38% | 9.30% | 13.28% | Beats 28% | 453 / 629 | ||
| Net Interest Margin | 2.73% | 3.03% | 3.54% | 4.05% | Beats 14% | 539 / 629 | ||
| Efficiency Ratio | 67.67% | 58.35% | 67.79% | 79.08% | Beats 51% | 312 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.92% | 0.09% | 0.46% | 1.20% | Beats 32% | 396 / 581 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 43% | 330 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.79% | 11.24% | 13.84% | 18.77% | Beats 58% | 264 / 629 | ||
| Total Risk-Based Capital Ratio | 16.03% | 11.58% | 14.43% | 19.66% | Beats 61% | 244 / 629 | ||
| Equity / Assets | 9.49% | 9.09% | 10.65% | 13.80% | Beats 32% | 427 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.04% | 67.24% | 80.90% | 93.48% | 49th pctl | 300 / 594 | ||
| Loans / Assets | 59.44% | 53.31% | 67.71% | 78.15% | 33rd pctl | 422 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||