BlastPoint's Banking Scorecard
Lakeside Bank
Lake Charles, LA
4 branches across LA
Lakeside Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 44.6% in tier
- - Net Interest Margin 1.12% below tier average
- - ROA 0.68% below tier average
- - Efficiency Ratio 2.55% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$375.7M
+3.9% YoY
-2.6% QoQ
|
-$10.4M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
58% |
| Total Loans ? |
$227.0M
-3.1% YoY
-2.8% QoQ
|
-$28.7M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
55% |
| Total Deposits ? |
$277.6M
+5.2% YoY
-3.5% QoQ
|
-$50.4M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
50% |
| Return on Assets ? |
0.59%
+34.5% YoY
+14.7% QoQ
|
-0.68% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
16% |
| Net Interest Margin ? |
2.81%
+11.2% YoY
+6.7% QoQ
|
-1.12% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.1% in tier |
| Efficiency Ratio ? |
67.84%
-4.1% YoY
-3.0% QoQ
|
+2.55% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
37% |
| Delinquency Rate ? |
1.04%
+14.9% YoY
+17.9% QoQ
|
+0.15% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
81.77%
-7.9% YoY
+0.6% QoQ
|
+5.13% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
18.26%
-11.6% YoY
+6.3% QoQ
|
-3.76% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.63%
-4.1% YoY
+17.6% QoQ
|
-0.01% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
32% |
| Tier 1 Capital Ratio ? |
14.51%
+2.6% YoY
+4.0% QoQ
|
-1.32% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.09%
-67.2% YoY
-83.2% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
43% |
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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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.