BlastPoint's Banking Scorecard
Lakeside Bank
Micro
Specialty: Commercial
TX
FDIC cert 21693
Designations: ✓ Community bank
Rockwall, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Lakeside Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$384.0M
+24.7% YoY
-5.1% QoQ
|
+$166.5M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$250.2M
+17.6% YoY
+6.8% QoQ
|
+$111.1M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$309.7M
+28.6% YoY
-6.6% QoQ
|
+$126.0M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
1.27%
-28.4% YoY
+3.2% QoQ
|
+0.19% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
3.68%
-1.0% YoY
+2.4% QoQ
|
-0.18% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
60.22%
+44.7% YoY
-7.3% QoQ
|
-7.50% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
80.81%
-8.5% YoY
+14.4% QoQ
|
+6.29% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
12.43%
-17.0% YoY
-1.9% QoQ
|
-9.96% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.11%
+10.8% YoY
+43.2% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
86
86th pctile
Total Assets
Current: $384.0M · Tier avg: $217.5M
84
84th pctile
Total Loans
Current: $250.2M · Tier avg: $139.2M
83
83th pctile
Total Deposits
Current: $309.7M · Tier avg: $183.7M
67
67th pctile
Efficiency Ratio
Current: 60.22% · Tier avg: 67.73%
63
63th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.85%
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.81% · Tier avg: 74.53%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.43% · Tier avg: 22.39%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
Top Weaknesses
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.43% · Tier avg: 22.39%
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.81% · Tier avg: 74.53%
43
43th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.08%
67
67th pctile
Efficiency Ratio
Current: 60.22% · Tier avg: 67.73%
83
83th pctile
Total Deposits
Current: $309.7M · Tier avg: $183.7M
84
84th pctile
Total Loans
Current: $250.2M · Tier avg: $139.2M
86
86th pctile
Total Assets
Current: $384.0M · Tier avg: $217.5M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%