BlastPoint's Banking Scorecard
Lakeside Bank
Micro
Specialty: Commercial
LA
FDIC cert 58961
Designations: ✓ Community bank
Lake Charles, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Lakeside Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.22% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$385.7M
+5.6% YoY
+1.7% QoQ
|
+$168.2M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$233.7M
-2.2% YoY
+4.1% QoQ
|
+$94.5M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$287.6M
+7.0% YoY
+2.7% QoQ
|
+$103.9M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
0.52%
+14.6% YoY
+20.5% QoQ
|
-0.57% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
2.64%
-4.8% YoY
+1.9% QoQ
|
-1.22% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
69.93%
-9.5% YoY
-3.9% QoQ
|
+2.21% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
0.88%
+2.8% YoY
-20.5% QoQ
|
+0.24% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
81.25%
-8.6% YoY
+1.4% QoQ
|
+6.73% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
17.18%
-19.4% YoY
-8.9% QoQ
|
-5.21% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.54%
-15.0% YoY
-18.6% QoQ
|
+0.08% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
13.95%
+0.9% YoY
-4.3% QoQ
|
+5.10% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.51%
+41.9% YoY
+20.7% QoQ
|
-0.05% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 7%
in Micro
Net Interest Margin is in the bottom decile of tier peers. Loan yields, funding mix, or asset mix are compressing margin relative to peers - check deposit costs and loan repricing cadence.
Why this stands out
Current:
2.64%
(Tier avg: 3.85%, National avg: 3.75%)
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
86
86th pctile
Total Assets
Current: $385.7M · Tier avg: $217.5M
82
82th pctile
Total Loans
Current: $233.7M · Tier avg: $139.2M
79
79th pctile
Total Deposits
Current: $287.6M · Tier avg: $183.7M
69
69th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
68
68th pctile
Tier 1 Capital Ratio
Current: 13.95% · Tier avg: 8.85%
40
40th pctile
Efficiency Ratio
Current: 69.93% · Tier avg: 67.73%
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.25% · Tier avg: 74.53%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.45%
32
32th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.64%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 17.18% · Tier avg: 22.39%
19
19th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.08%
7
7th pctile
Net Interest Margin
Current: 2.64% · Tier avg: 3.85%
Top Weaknesses
7
7th pctile
Net Interest Margin
Current: 2.64% · Tier avg: 3.85%
19
19th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.08%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 17.18% · Tier avg: 22.39%
32
32th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.64%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.45%
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.25% · Tier avg: 74.53%
40
40th pctile
Efficiency Ratio
Current: 69.93% · Tier avg: 67.73%
68
68th pctile
Tier 1 Capital Ratio
Current: 13.95% · Tier avg: 8.85%
69
69th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
79
79th pctile
Total Deposits
Current: $287.6M · Tier avg: $183.7M
82
82th pctile
Total Loans
Current: $233.7M · Tier avg: $139.2M
86
86th pctile
Total Assets
Current: $385.7M · Tier avg: $217.5M