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Lakeside Bank
Chicago, IL·FDIC Cert #19573·Charter: STATE·Est. 19660401.0·HC: LAKESIDE BCORP INC
Total Assets
$2.9B
Q4 2025
Return on Assets
1.64%
+0.07%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
53.74%
Peer avg: 58.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.64%+0.07
ROE
15.88%+0.72
Efficiency
53.74%-1.41
Equity/Assets
0.00%+0.00
NPL Ratio
0.04%-0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
92.27%+0.81
Charge-offs
0.01%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.1 | 1.2 | 1.2 | 1.4 | 1.5 | 1.6 | 1.6 |
| ROE | 11.7 | 11.8 | 12.2 | 12.6 | 13.6 | 14.4 | 15.2 | 15.9 |
| Efficiency | 61.2 | 60.1 | 58.9 | 59.0 | 58.6 | 56.1 | 55.1 | 53.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.3 | 0.1 | 0.1 | 0.1 | 0.0 | 0.1 | 0.0 |
| Charge-offs | -0.0 | 0.1 | 0.1 | 0.0 | -0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 92.7 | 95.4 | 96.5 | 90.6 | 98.7 | 95.0 | 91.5 | 92.3 |
Balance Sheet
Total Assets$2.9B
Total Deposits$2.5B
Total Loans$2.3B
Total Equity$296.8M
Profitability
ROA1.64%
ROE15.88%
Efficiency Ratio53.74%
Net Income$45.2M
Risk & Asset Quality
NPL Ratio0.04%
Charge-off Rate0.01%
Loan/Deposit92.27%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans