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Lakeside Bank

Lake Charles, LA · Cert 58961 · Lakeside Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$381.9MAssets
$227.0MLoans
$283.6MDeposits
$36.3MEquity
Loan mix
90%RE $206.0M9%C&I $19.8M2%Consumer $4.3MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $229.8M19%Noninterest $53.8MQ2 2025Q2 2026

NIM

4.42%Q2 ’244.58%Q2 ’254.86%Q2 ’26-5%+12%

Non-interest income vs. expense

2.37%Q2 ’242.33%Q2 ’252.07%Q2 ’26-19%+7%

Market Position · Lake Charles, LA · 2026 SOD (annual) · 4.6% share · #9 of 20 inst. · $0.3B of $6.1B

Executive Summary

  • Earnings: ROA of 0.57%, up 20 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 0.92% of loans (+4 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.69%, up 12 bps from a year ago.
  • Funding: loans stand at 80.04% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.57%+20 bps YoY

Net Interest Margin (YTD, annualized)

2.73%+30 bps YoY

Efficiency Ratio (YTD, annualized)

67.67%-669 bps YoY

Tier 1 Leverage Ratio

9.69%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.43%0.52%0.59%0.57%+20 bps
Return on Equity4.00%4.61%5.55%6.27%6.03%+203 bps
Net Interest Margin2.43%2.39%2.44%2.69%2.73%+30 bps
Efficiency Ratio74.35%72.77%69.93%67.84%67.67%-669 bps
Non-Interest Burden1.62%1.58%1.56%1.72%1.73%+11 bps
Growth
Asset Growth (YoY)8.31%5.30%5.55%3.88%1.23%-708 bps
Loan Growth (YoY)-7.63%-8.66%-1.79%-2.81%-1.65%+598 bps
Deposit Growth (YoY)10.56%6.35%7.03%5.25%1.59%-897 bps
Asset Quality
Nonperforming Loans / Loans0.88%1.10%0.87%1.03%0.92%+4 bps
Net Charge-Offs / Loans0.14%0.10%0.05%0.02%0.03%-10 bps
Allowance / Loans0.95%1.03%1.11%1.22%1.30%+35 bps
Allowance Coverage of NPLs1.1x0.9x1.3x1.2x1.4x+0.3x
Capital
Tier 1 Leverage Ratio9.57%9.25%9.39%9.59%9.69%+12 bps
Total Risk-Based Capital15.25%15.59%15.02%15.67%16.03%+78 bps
Equity / Assets9.19%9.33%9.34%9.59%9.49%+31 bps
Liquidity & Funding
Loans / Deposits82.68%80.99%82.17%82.78%80.04%-264 bps
Liquid Assets / Assets22.23%21.19%12.15%13.94%15.71%-652 bps
CRE / Total Capitaln/a436%456%439%n/an/a