BlastPoint's Banking Scorecard

Lakeside Bank

$1B-$10B Specialty: Commercial IL FDIC cert 19573

Designations: ✓ Community bank

Chicago, IL

11 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
Deposits +8.7% year over year ($2.5B on the books).
Delinquency rate 0.03%.
Return on assets 1.81%.
Efficiency ratio 52.84% vs a 59.73% peer average.
Loan-to-deposit ratio 93.44% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in IL

View $1B-$10B leaderboard (IL) →

Lakeside Bank has 5 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.83% below tier average
+ Nonperforming Asset Ratio 0.65% below tier average
+ ROA 0.42% above tier average
+ Net Interest Margin 0.07% above tier average
+ Efficiency Ratio 6.89% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 32.4% in tier

Get updates when Lakeside Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$2.9B +5.9% YoY -0.3% QoQ	+$56.8M	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	67%
Total Loans ?	$2.3B +6.9% YoY +1.7% QoQ	+$334.6M	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	73%
Total Deposits ?	$2.5B +8.7% YoY +0.3% QoQ	+$140.4M	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	69%
Return on Assets ?	1.81% +19.8% YoY +9.5% QoQ	+0.42%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	83%
Net Interest Margin ?	3.94% +8.9% YoY +3.3% QoQ	+0.07%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	64%
Efficiency Ratio ?	52.84% -5.8% YoY -2.9% QoQ	-6.89%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	69%
Delinquency Rate ?	0.03% -27.0% YoY -20.0% QoQ	-0.83%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Top 6.6% in tier
Loan-to-Deposit Ratio ?	93.44% -1.7% YoY +1.4% QoQ	+8.40%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	31%
Non-Interest-Bearing Deposit Share ?	21.99% -2.9% YoY +6.8% QoQ	+0.72%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	61%
Nonperforming Asset Ratio ?	0.03% -26.2% YoY -18.4% QoQ	-0.65%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Top 6.8% in tier
Tier 1 Capital Ratio ?	12.41% -0.8% YoY +0.8% QoQ	-2.43%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.12% +6.5% YoY +106.4% QoQ	-0.41%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Bottom 13.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	22.0% -0.7pp YoY +1.4pp QoQ	+0.6pp	21.4%	20.1%	22.2%	60%
Brokered Deposits	2.5% -2.5pp YoY -0.6pp QoQ	-7.0pp	9.5%	8.0%	8.5%	32%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	7.0% -1.2pp YoY +0.2pp QoQ	-7.0pp	14.0%	14.7%	12.5%	28%
CRE	86.2% +1.8pp YoY -0.6pp QoQ	+36.2pp	50.0%	37.9%	41.4%	98%
1-4 Family	7.6% -1.2pp YoY -0.3pp QoQ	-18.9pp	26.4%	28.3%	31.3%	10%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	5.4%	5.0%	1%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	12.4% -0.1pp YoY +0.1pp QoQ	-3.2pp	15.6%	19.9%	19.7%	32%
Leverage Ratio	11.0% 0.0pp YoY +0.3pp QoQ	-0.3pp	11.3%	12.2%	12.6%	60%
Total Capital Ratio	13.6% -0.1pp YoY +0.1pp QoQ	-3.1pp	16.7%	20.9%	20.8%	32%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	203 -6 (-2.9%) YoY +8 (+4.1%) QoQ	-111	313	228	482	42%
Assets per Employee ($)	$14.0M +9.0% YoY -4.2% QoQ	+$3.6M	$10.5M	$8.3M	$8.8M	87%
Branch Count	11 +1 (+10.0%) YoY 0 QoQ	-9	20	10	18	35%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.4%	0.4%	n/a
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.8%	1.1%	1.0%	4%
Allowance Coverage	36.85x +38.5% YoY +23.7% QoQ	+18.14x	18.71x	5.62x	20.23x	96%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	4%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	17.3% +2.9pp YoY +1.4pp QoQ	+4.7pp	12.6%	10.5%	11.6%	84%
Cost of Funds (YTD)	2.2% -0.4pp YoY 0.0pp QoQ	+0.3pp	1.9%	1.6%	1.7%	74%
Net Income ($, YTD)	$26.0M +28.2% YoY — QoQ	+$6.7M	$19.2M	$11.7M	$40.4M	78%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#118 of 361 • Bottom 32.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.44%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.87%

#59 of 882 Top 6.6% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.67%

#61 of 885 Top 6.8% in $1B-$10B

154

Return on Assets

profitability

Value: 1.81%

Peer Median: 1.39%

#154 of 885 Top 17.3% in $1B-$10B

Top Weaknesses (1 metrics)

769

Non-Interest Income / Assets

revenue_mix

Value: 0.12%

Peer Median: 0.53%

#769 of 885 Bottom 13.2% in $1B-$10B