| Metric | Lakeside Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +5.5% | +0.4 pts |
| Deposit growth (YoY) | +8.8% | +5.1% | +3.7 pts |
| Loan growth (YoY) | +6.9% | +5.9% | +1.0 pts |
| ROA | 1.81% | 1.26% | +0.5 pts |
| ROE | 17.3% | 12.2% | +5.1 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.85B | $2.46B | $2.30B | $304.7M | $26.0M | 1.81% | 3.94% | 0.03% |
| Q1 2026 | $2.86B | $2.45B | $2.26B | $299.9M | $11.9M | 1.65% | 3.81% | 0.03% |
| Q4 2025 | $2.89B | $2.47B | $2.28B | $296.8M | $45.2M | 1.64% | 3.70% | 0.03% |
| Q3 2025 | $2.84B | $2.42B | $2.21B | $283.1M | $32.0M | 1.57% | 3.63% | 0.06% |
| Q2 2025 | $2.69B | $2.26B | $2.15B | $283.4M | $20.3M | 1.51% | 3.62% | 0.04% |
| Q1 2025 | $2.65B | $2.17B | $2.15B | $284.2M | $9.6M | 1.43% | 3.45% | 0.07% |
| Q4 2024 | $2.70B | $2.29B | $2.07B | $276.5M | $33.1M | 1.25% | 3.17% | 0.07% |
| Q3 2024 | $2.61B | $2.17B | $2.10B | $268.8M | $23.6M | 1.19% | 3.10% | 0.10% |
Loan mix (Q2 2026): real estate $2.16B · commercial $159.8M · consumer $44K · securities $181.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Lakeside Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 1.26% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 17.3% | 12.2% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.8% | 59.0% | 31th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Lakeside Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Lakeside Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Lakeside Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Lakeside Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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