BlastPoint's Banking Scorecard
Lakeside Bank
Designations: ✓ Community bank
Chicago, IL
11 branches across IL
Lakeside Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.85% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
- + ROA 0.29% above tier average
- + Efficiency Ratio 6.62% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 19.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+8.1% YoY
-1.2% QoQ
|
+$43.1M |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
67% |
| Total Loans ? |
$2.3B
+5.2% YoY
-0.9% QoQ
|
+$293.9M |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
73% |
| Total Deposits ? |
$2.5B
+12.8% YoY
-0.8% QoQ
|
+$108.6M |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
68% |
| Return on Assets ? |
1.65%
+15.6% YoY
+0.7% QoQ
|
+0.29% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
78% |
| Net Interest Margin ? |
3.81%
+10.4% YoY
+3.1% QoQ
|
-0.01% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
60% |
| Efficiency Ratio ? |
54.44%
-7.1% YoY
+1.3% QoQ
|
-6.62% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
65% |
| Delinquency Rate ? |
0.04%
-49.8% YoY
-0.2% QoQ
|
-0.85% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Top 6.0% in tier |
| Loan-to-Deposit Ratio ? |
92.12%
-6.7% YoY
-0.2% QoQ
|
+7.92% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
20.60%
-8.8% YoY
-16.6% QoQ
|
-0.69% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.03%
-51.1% YoY
+0.1% QoQ
|
-0.64% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Top 7.0% in tier |
| Tier 1 Capital Ratio ? |
12.31%
-3.4% YoY
+2.2% QoQ
|
-2.85% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.06%
+9.9% YoY
-76.5% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 13.1% in tier |
Get Full Access to Lakeside Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.