Lakeside Bank
Rockwall, TX·RSSD 32766·FDIC 21693·bank:32766·CBLR opted in
- #185 of 352Total assets in Texas
- 2offices
- 21employees
- Top 4%Loan quality vs. peers
- Top 7%Deposit growth in the U.S.
- Top 7%Loan growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Lakeside Bank
9 of 24 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Deposits migrating from operating accounts to CDsWorth a look: Funding FORFI signal 2nd quarter11.5%peers 20.5%-9.0 pp
Lakeside Bank's noninterest-bearing deposits lost share of the deposit base faster than at similar banks, while time deposits gained share.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 11.5% | 20.5% | -9.0 pp |
| Time deposits' share of deposits | ||
| 10.7% | 30.1% | -19.5 pp |
With internal data, FORFI would look at: Which operating accounts are draining, and which customers moved balances into CDs.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Lakeside Bank itself is left out of every peer median and percentile. How signals work
Leverage capital ratio falling while the peer median risesWorth a look: Capital 2nd quarter14.37%peers 10.81%+3.6 pp
Lakeside Bank's leverage ratio fell 1.6 percentage points over the past year to 14.37%. Among 1437 similar banks, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 14.37% | 10.81% | +3.6 pp |
| 12-month change | ||
| -1.6 pp | +0.2 pp | -1.8 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Lakeside Bank itself is left out of every peer median and percentile. How signals work
Efficiency ratio falling faster than peersStrength: Efficiency51.1%peers 60.8%-9.7 pp
Lakeside Bank's efficiency ratio fell 14.2 percentage points over the past year to 51.1%. Among 1432 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 51.1% | 60.8% | -9.7 pp |
| 12-month change | ||
| -14.2 pp | -2.1 pp | -12.1 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Lakeside Bank itself is left out of every peer median and percentile. How signals work
Return on assets rising faster than peersStrength: Earnings1.68%peers 1.32%+37 bps
Lakeside Bank's annualized return on assets rose 77 bps over the past year to 1.68%. Among 1433 similar banks, the median rose 14 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 1.68% | 1.32% | +37 bps |
| 12-month change | ||
| +77 bps | +14 bps | +63 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Lakeside Bank itself is left out of every peer median and percentile. How signals work
5 more observations
- Reliance on CDs rising while the peer median fallsFunding
- Noninterest-bearing deposit share falling faster than peersFunding
- Deposit costs among the highest of similar banksFunding
- Deposits growing faster than peersFunding
- Fee and other noninterest income among the lowest of similar banksEarnings
Key facts
- Lakeside Bank is a bank headquartered in Rockwall, Texas. It reported $389 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $312 million, up 19.4% from a year earlier, and loans totaled $263 million, up 21.7%.
- Its net interest margin was 3.81% and its annualized return on assets was 1.68% for the quarter.
- Its cost of all deposits was 2.95%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Lakeside Bank's own data, FORFI would look at: Which operating accounts are draining, and which customers moved balances into CDs.
Analysis workspaces
Sources and identifiers
- Institution
- Lakeside Bank · Bank
- Federal Reserve RSSD
- 32766
- FDIC certificate
- 21693
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Lakeside Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $1.64M | — | |
| $6.08M | — | |
| $2.43M | — | |
| $3.65M | — | |
| $124K | — | |
| $1.93M | — | |
| $199K | — | |
| $199K | — | |
| 1.68% | 1.68%ROAQ · Quarter | |
| 3.81% | 3.80%NIMYQ · Quarter | |
| 51.13% | 49.93%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.