BlastPoint's Banking Scorecard
Lakeside Bank
Community
Specialty: Commercial
IL
FDIC cert 19573
Chicago, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Lakeside Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 39% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 46% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+7.1% YoY
+1.9% QoQ
|
+$1.5B |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$2.3B
+10.1% YoY
+3.1% QoQ
|
+$1.3B |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$2.5B
+8.1% YoY
+2.2% QoQ
|
+$1.3B |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 9% in tier |
| Return on Assets ? |
1.64%
+31.7% YoY
+4.5% QoQ
|
+0.48% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
3.70%
+16.6% YoY
+1.9% QoQ
|
+0.03% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
53.74%
-8.9% YoY
-2.6% QoQ
|
-8.89% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
0.04%
-56.0% YoY
-48.4% QoQ
|
-0.59% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 11% in tier |
| Loan-to-Deposit Ratio ? |
92.27%
+1.8% YoY
+0.9% QoQ
|
+9.20% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
24.68%
+12.0% YoY
+13.8% QoQ
|
+3.64% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.03%
-54.8% YoY
-47.8% QoQ
|
-0.47% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 11% in tier |
| Tier 1 Capital Ratio ? |
12.05%
-6.4% YoY
+0.7% QoQ
|
+1.80% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.25%
+5.7% YoY
+36.6% QoQ
|
-0.49% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#147 of 371 · Top 39% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.64%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (1)
Liquidity Strain
risk
#234 of 513 · Bottom 46% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.27%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Total Loans
Current: $2.3B · Tier avg: $975.5M
91
91th pctile
Total Deposits
Current: $2.5B · Tier avg: $1.2B
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
81
81th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
75
75th pctile
Efficiency Ratio
Current: 53.74% · Tier avg: 62.63%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.68% · Tier avg: 21.05%
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
47
47th pctile
Tier 1 Capital Ratio
Current: 12.05% · Tier avg: 10.24%
29
29th pctile
Loan-to-Deposit Ratio
Current: 92.27% · Tier avg: 83.06%
17
17th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
Top Weaknesses
17
17th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
29
29th pctile
Loan-to-Deposit Ratio
Current: 92.27% · Tier avg: 83.06%
47
47th pctile
Tier 1 Capital Ratio
Current: 12.05% · Tier avg: 10.24%
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.68% · Tier avg: 21.05%
75
75th pctile
Efficiency Ratio
Current: 53.74% · Tier avg: 62.63%
81
81th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
91
91th pctile
Total Deposits
Current: $2.5B · Tier avg: $1.2B
92
92th pctile
Total Loans
Current: $2.3B · Tier avg: $975.5M