# LAKESIDE BANK
CHICAGO, IL · FDIC certificate 19573 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.85B | |
| Deposits | $2.46B | |
| Loans and leases | $2.33B | |
| Total equity | $304.7M | |
| Loans / deposits | 93.44% (p69 of band) | 87.10% |
| Liquid assets / assets | 14.57% (p21 of band) | |
| Uninsured deposits / deposits | 51.67% (p92 of band) | 30.76% |
| Brokered deposits | 2.13% | |
| Wholesale funding | 4.44% (p43 of band) | |
| FHLB advances / assets | 2.32% | |
| Tier 1 leverage | 10.99% (p60 of band) | 10.50% |
| Unrealized securities loss / equity | -3.69% (p71 of band) | -7.75% |
| AOCI / equity | 0.00% (p79 of band) | |
| ROA (annualized) | 1.81% (p82 of band) | 1.26% |
| Net interest margin | 3.94% (p65 of band) | 3.70% |
| Efficiency ratio | 52.84% (p32 of band) | |
| Noncurrent loans | 0.03% (p8 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p4 of band) | |
| Reserve coverage of noncurrent | 3685.46% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 154.25% (p98 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 8.8% | |
| Employees | 203 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 4 | charge-offs p90 | loans exceed deposits, liquid assets <10% |
| 2011-09 | 5 | capital falling |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 5 | uninsured deposits leaving | capital falling |
| 2012-06 | 5 |  |  |
| 2012-09 | 4 |  | uninsured deposits leaving |
| 2012-12 | 3 |  | charge-offs p90 |
| 2013-03 | 4 | deposits shrinking |  |
| 2013-06 | 4 | charge-offs p90 | deposits shrinking |
| 2013-09 | 4 | noncurrent p90 | charge-offs p90 |
| 2013-12 | 6 | loans exceed deposits, charge-offs p90 |  |
| 2014-03 | 5 |  | loans exceed deposits |
| 2014-06 | 4 | loans exceed deposits | reserve under noncurrent, noncurrent p90 |
| 2014-09 | 4 | capital falling | loans exceed deposits |
| 2014-12 | 3 |  | capital falling |
| 2015-03 | 4 | construction >100% equity |  |
| 2015-06 | 5 | capital falling |  |
| 2015-09 | 4 |  | capital falling |
| 2015-12 | 4 | loans exceed deposits | charge-offs p90 |
| 2016-03 | 3 |  | loans exceed deposits |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | capital falling |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 3 |  | capital falling |
| 2018-03 | 5 | losing money, expense ratio p90 |  |
| 2018-06 | 4 |  | losing money |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 | loans exceed deposits | expense ratio p90 |
| 2019-06 | 4 | capital falling | loans exceed deposits |
| 2019-09 | 5 | loans exceed deposits |  |
| 2019-12 | 4 |  | capital falling |
| 2020-03 | 4 |  |  |
| 2020-06 | 4 | capital falling | loans exceed deposits |
| 2020-09 | 4 |  |  |
| 2020-12 | 2 |  | brokered >10%, wholesale funding >15% |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | deposits shrinking |  |
| 2023-03 | 3 | wholesale funding >15% |  |
| 2023-06 | 3 | brokered >10% | deposits shrinking |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | capital falling |  |
| 2024-03 | 3 |  | brokered >10% |
| 2024-06 | 1 |  | wholesale funding >15%, capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 4 | uninsured deposits >50%, capital falling, run vulnerability |  |
| 2025-12 | 2 |  | uninsured deposits >50%, run vulnerability |
| 2026-03 | 3 | uninsured deposits >50%, run vulnerability | capital falling |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-06 [Mokena expects bank, hotel, restaurants and food truck park - Chicago Tribune](https://news.google.com/rss/articles/CBMijAFBVV95cUxOcnRzUlNXb001WFY2Mmp3MTJIVnJZVnpfZTh1VzVGV0JaYXFBdjVZV2dBTU9ER1FHVnUzZlgyQ05fZmNwTVU4MDRWbzZ5cVl2bGlnMURMSndLb01pQmVMaXBNNDRSakk2U2ZHZW0za1hqV3J3NTh5ZkhpeVFyODlpaVplUWtnZVVkbXB4MQ?oc=5) · Chicago Tribune
- 2023-07-27 [Future of architecturally important Lakeside Bank branch is up in the air - Chicago Sun-Times](https://news.google.com/rss/articles/CBMi4gFBVV95cUxNWm9rWjRlRWtIdnJqdDk5VV9jaERDaFQydmtxdDRCVEo5MW9STE4tOFpXS3JxRnZMMi1pR1pUcEtfUXVUQmtiQkVVcy01dEFZQ29CN3VWZjIzNXk4TlJiOTRiZTFwdFVTUGNHZFV3N1lfY0dYQXF0LUxIRktBQmMxci05UXhtbzZhamlGdW00REI5OHJiTXlLOXZRcHpmaE9jUHV3X2MwdmFCRHRTQWFMRDJKa1c1YmQzLWNMek5CUkdOelJObkhTZFZVcjBoVVZpc1JLd0FNZEZYdGVJT0VERk1R?oc=5) · Chicago Sun-Times
- 2016-12-16 [Independently Owned Lakeside Bank Opens 7th Branch in Elmhurst; Staffs it With Locals - Patch](https://news.google.com/rss/articles/CBMitwFBVV95cUxOeXBaaU1XSmpkRThEZ1c2SUR0VGY0dTZXYVVqR2RIMHlFeUlYR2J6Rng2NG5GZTdfd0tjNHY0NzlMeFZqZTNWZ3h4MWRyQkJNb1Q5ek9kc1gzTzNzNndLRDcwai1JWm40V29kTnhET1BZcEo4OU5RUHV3R1VJYmZqZ3VzbUthSFVWM0VVMTBSbHpNdGczR0FZSW9RNDNCMUF6RkV4bWpueEQxUE5KdU1UX0hScnRYNE0?oc=5) · Patch
- 2023-07-28 [St. Ignatius acquires architecturally significant Lakeside Bank branch building - Chicago Sun-Times](https://news.google.com/rss/articles/CBMiygFBVV95cUxPajlfb05jWG03NWttQjlpYUdaQmlIMlpXaXVxajdCbVctQnJJVTR1VEpyQXB0Uzgtc0VzQWZlMnlUQXp4eHJiRVRCTFE0T1JnLU1maWhWN0RVeGl2OEJWTjlmY0NqQWVsZ0lIT0VLNnEwdjhCeGVWb0pMSjFhcGcxXzlxS0piMk0tQzN2SHR5WHlOX3VMdW9JX3JkRnRiYVZPYkp6WW5EZzRwX19faGVCU2s4cnJzTFBvWnBLMjg3dDhsbE9OR0JUZk13?oc=5) · Chicago Sun-Times
- 2022-10-09 [Raymond Spaeth Obituary (2022) - Beverly, IL - Chicago Tribune - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQaEtVcVhEMnRMY2pNeFBIMk16eUZBNDF1THZfdk9nbnJtZTQ4WlFOcDM2YWhGVVhEZ2JQejRoQ1ZKRGliUU1IZTF1WENRTXFQN1ZZaVQ4VHV1TmpXb05qMHROeWQwZm10MkFIeXpLUkNHaE93Q2VoUUhZb1dDWHM4NlZIMk8xVkRNVWdnbGtOWjctdGdZX25v?oc=5) · legacy.com
- 2015-11-10 [John Montgomery Obituary - Wilmette, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxQWVJIVXdDdmllZkNwU2xFLUZDUE5zTzN1cF9ra3FTbDVWRkhXOFpNUl8tZGRFYUc4VXVsZ2RwZ0RjZ3Q0cktFRy1xM0RwRGlJaUVJb0Y0R050Rl9BOXduMlBUdFJ1cWJELS1qSlBxQi1fN1QtUjMtcy15NFJhcDFsRmthOWM?oc=5) · Dignity Memorial
- 2024-06-09 [Raymond Spaeth Obituary - Beverly, IL - Chicago Tribune](https://news.google.com/rss/articles/CBMiekFVX3lxTE1pS2FLb2VLV2NjT0pqZlB4LUVPMGJmNHk2Uzd0aERobzRYcGp2ZHJUSDRkM3Nydjh4cVpoT19BdDlRQWVIZk5GbnZhT1c3RS13ai1kNEFsbVpkVGthaXc0YzZxWTJBRnVfdkRjYkVzamRWUHFQZVJxQXRB?oc=5) · Chicago Tribune
- 2016-06-24 [THE WATCHDOGS: McPier in court fight over lot taxpayers have bought twice - Chicago Sun-Times](https://news.google.com/rss/articles/CBMivAFBVV95cUxNR2p2UDRCNW9wcWJCR1JoVmwxRHNyVnVaeVRqVXlua3dRWnpjN2prMXNQdk9FRVRJcklUX3J6ZVpEWmZuYXFrV3V5Z1J2NnpWZktEZG5vQXFqOFZjV3EwSEpwRnR2eVl6WGU2b0N5LXZ6dTdzM0VrSUFRU0gwOWZpTHBrc0VObWdsUmpkOWVVbzRkY21Kb0ZWcEFrUnhER3hSUl9oUzN3dlBUMGt2Y2llTkJPaDJ3WmVWSko3Uw?oc=5) · Chicago Sun-Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19573 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/53.json (key "19573", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide