| Metric | Lakeside Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.0% | +4.4% | +12.7 pts |
| Deposit growth (YoY) | +19.4% | +4.0% | +15.4 pts |
| Loan growth (YoY) | +21.6% | +5.6% | +16.0 pts |
| ROA | 1.67% | 1.24% | +0.4 pts |
| ROE | 11.7% | 11.9% | -0.2 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $389.2M | $311.6M | $259.8M | $57.7M | $3.2M | 1.67% | 3.76% | 0.00% |
| Q1 2026 | $394.8M | $320.5M | $244.1M | $54.6M | $1.6M | 1.65% | 3.69% | 0.00% |
| Q4 2025 | $384.0M | $309.7M | $250.2M | $54.3M | $4.4M | 1.27% | 3.68% | 0.00% |
| Q3 2025 | $404.6M | $331.6M | $234.2M | $53.0M | $3.1M | 1.23% | 3.59% | 0.00% |
| Q2 2025 | $332.6M | $261.0M | $213.7M | $51.8M | $2.2M | 1.40% | 3.81% | 0.00% |
| Q1 2025 | $307.8M | $237.7M | $207.1M | $49.8M | $1.5M | 1.93% | 3.83% | 0.00% |
| Q4 2024 | $308.0M | $240.7M | $212.7M | $46.8M | $6.2M | 1.78% | 3.71% | 0.07% |
| Q3 2024 | $346.9M | $281.0M | $216.9M | $45.3M | $4.8M | 1.77% | 3.48% | 0.24% |
Loan mix (Q2 2026): real estate $193.8M · commercial $64.0M · consumer $1.9M · securities $0
| Ratio | Lakeside Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 1.24% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 11.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.7% | 62.9% | 22th |
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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