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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.52% | 0.44% | 0.31% | 0.54% | 0.77% | 0.59% | 0.55% | +24 bps | |
| Return on Equity | 6.45% | 5.57% | 4.70% | 3.30% | 5.82% | 8.29% | 6.27% | 5.80% | +250 bps | |
| Net Interest Margin | 2.84% | 2.64% | 2.44% | 2.45% | 2.53% | 2.65% | 2.69% | 2.75% | +30 bps | |
| Efficiency Ratio | 69.62% | 78.25% | 70.71% | 78.78% | 69.46% | 61.71% | 67.84% | 67.50% | -1,128 bps | |
| Non-Interest Burden | 1.87% | 1.98% | 1.42% | 1.85% | 1.66% | 1.49% | 1.72% | 1.75% | -10 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 | 0.54% | 2.08% | 0.01% | 0.27% | 0.02% | -0.07% | 0.02% | 0.04% | -22 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 | |