Lakeside Bank
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
$381.9MAssets
$227.0MLoans
$283.6MDeposits
$36.3MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 61% of banks under $1B in assets (rank 244 of 629).
- Widest gap: net interest margin trails 86% of banks under $1B in assets (rank 539 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $6.6M · efficiency ratio beats 51% of banks under $1B in assets | 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 |