BlastPoint's Banking Scorecard
Lakeside Bank
Rockwall, TX
2 branches across TX
Lakeside Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 38.9% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
- + ROA 0.38% above tier average
- + Efficiency Ratio 9.76% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 12.1% in tier
- - Non-Interest Income / Assets 0.26% below tier average
- - Net Interest Margin 0.24% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$394.8M
+28.3% YoY
+2.8% QoQ
|
+$8.7M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
61% |
| Total Loans ? |
$244.1M
+17.9% YoY
-2.4% QoQ
|
-$11.6M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$320.5M
+34.8% YoY
+3.5% QoQ
|
-$7.5M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
58% |
| Return on Assets ? |
1.65%
-14.5% YoY
+29.8% QoQ
|
+0.38% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
75% |
| Net Interest Margin ? |
3.69%
-3.6% YoY
+0.4% QoQ
|
-0.24% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
40% |
| Efficiency Ratio ? |
55.53%
-19.0% YoY
-7.8% QoQ
|
-9.76% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
72% |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
76.18%
-12.6% YoY
-5.7% QoQ
|
-0.46% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
11.30%
-25.8% YoY
-9.1% QoQ
|
-10.72% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Bottom 13.4% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.66%
-13.0% YoY
+1.9% QoQ
|
-2.17% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.02%
-14.2% YoY
-77.5% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 5.7% in tier |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.