# LAKESIDE BANK
ROCKWALL, TX · FDIC certificate 21693 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $389.2M | |
| Deposits | $311.6M | |
| Loans and leases | $262.9M | |
| Total equity | $57.7M | |
| Loans / deposits | 83.38% (p54 of band) | 82.04% |
| Liquid assets / assets | 31.35% (p67 of band) | |
| Uninsured deposits / deposits | 18.14% (p22 of band) | 25.97% |
| Brokered deposits | 29.27% | |
| Wholesale funding | 34.15% (p99 of band) | |
| FHLB advances / assets | 4.88% | |
| Tier 1 leverage | 14.37% (p86 of band) | 10.81% |
| Unrealized securities loss / equity | 0.00% (p98 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 1.67% (p74 of band) | 1.28% |
| Net interest margin | 3.76% (p41 of band) | 3.91% |
| Efficiency ratio | 52.67% (p24 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 74% | |
| Construction % of loans | 65.13% (p68 of band) | |
| Auto loans | $49,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 19.4% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | noncurrent p90 |  |
| 2012-09 | 1 |  | noncurrent p90 |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | capital falling, reserve under noncurrent |  |
| 2016-03 | 0 |  | capital falling, reserve under noncurrent |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 2 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2016-12 | 1 | reserve under noncurrent | capital falling, charge-offs p90 |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 3 | capital falling, noncurrent p90 |  |
| 2017-12 | 2 |  | noncurrent p90 |
| 2018-03 | 1 | expense ratio p90 | reserve under noncurrent, capital falling |
| 2018-06 | 1 | reserve under noncurrent | expense ratio p90 |
| 2018-09 | 3 | noncurrent p90, charge-offs p90 |  |
| 2018-12 | 4 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2019-03 | 4 |  |  |
| 2019-06 | 2 |  | reserve under noncurrent, noncurrent p90 |
| 2019-09 | 2 | NIM <2.5%, reserve under noncurrent | deposits shrinking, assets shrinking |
| 2019-12 | 3 | losing money, expense ratio p90 | reserve under noncurrent |
| 2020-03 | 1 |  | losing money, expense ratio p90 |
| 2020-06 | 4 | capital falling, losing money, expense ratio p90 |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 5 | uninsured deposits >50% |  |
| 2021-03 | 2 |  | losing money, expense ratio p90, uninsured deposits >50% |
| 2021-06 | 1 | uninsured deposits >50% | NIM <2.5%, capital falling |
| 2021-09 | 0 |  | uninsured deposits >50% |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 2 | wholesale funding >15% |  |
| 2022-12 | 4 | uninsured deposits >50%, charge-offs p90 |  |
| 2023-03 | 3 | uninsured deposits leaving | uninsured deposits >50%, charge-offs p90 |
| 2023-06 | 2 |  | wholesale funding >15% |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 1 | charge-offs p90 | uninsured deposits leaving |
| 2024-06 | 0 |  | charge-offs p90 |
| 2024-09 | 5 | brokered >10%, wholesale funding >15%, charge-offs p90, assets shrinking, uninsured deposits leaving |  |
| 2024-12 | 5 | deposits shrinking | uninsured deposits leaving |
| 2025-03 | 5 | uninsured deposits leaving | charge-offs p90 |
| 2025-06 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2025-09 | 2 |  | assets shrinking |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 2 |  | capital falling |
| 2026-06 | 2 |  |  |

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

- 2026-04-08 [Catalyst Bancorp, Inc. Announces Agreement to Acquire Lakeside Bancshares, Inc. - PR Newswire](https://news.google.com/rss/articles/CBMiywFBVV95cUxQOG5qRXRmbWZTbk93YW5Ic2l3OTZXSFp4TEhDTUw1WWJGNml2TXdqeEVEQ3FHc09ITkxqdk5KTzBZaDJmMUN5U0g2ekp3MWp3MDZldkszV05HM1d1TjJuMS0tXzNEUTlPVjZFMWdwd2ItcTZla193V3FONzlZamlpTjlMY2pNWTBTalZjam1XdlE0NV93WDI0eFpQWERmS0JvLWRwS25JaXl3ZDdoWTlsaDlKQUtmOVQ5RllMVHpHQno5VnFHRE9icjZHMA?oc=5) · PR Newswire
- 2023-09-20 [DFW Bank Snapshot: Take a closer look at Lakeside Bank - The Business Journals](https://news.google.com/rss/articles/CBMiigFBVV95cUxPT3RUaDVhb0toQ3NsdnkwZ2c0Qjc4SWlDWEF0Y3p2SGlNT0ZMYWRJb0JmQl9zYzYxQ1FKMVlJSnZyUWNLZ1k0UWxqcE9LcHVWTVh4clN6cGRfMmlzUVdMdzlUR0VLZHpfQjJ2VDBzYmRHUlJhZ0VHSlBvQ2FBZGZkVFlVME95aldyNmc?oc=5) · The Business Journals
- 2020-01-27 [Lakeside Bank hires Rockwall Regional President, Kevin Fowler - blueribbonnews.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNSURGTmoyREdjWUpqR2c4ejhtRV9RamJha2w3anFZWjlPODAxU1M0VURtV1dOY21ISlFmM1o2WEV2ZE5tbGxYSFJLZ3B5RVNEZGxtNFZrRE0yNDdyNndRaU02VEtUYTBIdUltcERUQXJsWThsN09DYUxSODVxeTNrbDlheG5KSXhZYmFhdGh6eV9oZGRzTk9tU0Zpd2I?oc=5) · blueribbonnews.com
- 2010-08-28 [In Hard Times, One New Bank (Double-Wide) (Published 2010) - The New York Times](https://news.google.com/rss/articles/CBMiZkFVX3lxTE13OWpLaTFIU3VBQ3hOYklZN3Qwbm5manFhQXl6Y0xFc2hId29xNU5mNUF1eDllOGFTUk5FQkJKbkFuSVBQb0xDVFdhT01XUHdtNzE3MzQybDBzZm9jVGVWU0NKbzFNZw?oc=5) · The New York Times
- 2021-10-08 [Robbery At Lakeside Bank Unsolved So Far, Photos Of 2 Men Responsible Released - CBS News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQamNfaGNuMmFZMkRqb2x0RHlMU2Z1SWw3eTN4S2EwcXlrakVBM19TZXVOQm9jSG1Rd1A5eVB5alJqUzBqelRXb3ZtR3ZRQ0g1RkZFMEljNi1seTlJY0F4MTJaYVI3MjJuYXdKYU1vbnh6Z0c0QkxGT1ltZ0pBYWpHQVIyRGhhamFFc2o40gGQAUFVX3lxTFBuYkdGTF95aTJmTl9fMmRNb0tlY2NiOWZnbDdHVFh6aHozY3N2dlRWQjNvUXhlT1czRDJGV1B6TmkyT2JLZDRWTWZzam9CQWttR1NJZWFLVXVOMzdNZ0ZDRF8wNi05YUp5bWtpM2pwWVB1Sy1CcjBHVFhOUlpITnhocC1xM1JBRXE5RWhLNElfVQ?oc=5) · CBS News
- 2025-03-24 [Lakeside Bank Appoints Chris Williams as President and CEO - PR Newswire](https://news.google.com/rss/articles/CBMitAFBVV95cUxOUGtHWXBLMXkyb3ZBOTZoSllkUEZTdXFKVWI4MzBfTHJXOTQ5Z3hHdUd2Rzk5NV9TR3NiRkZhcVhZdnR4UV9tcWtXdU1JdG95ZjMwclVIUUlYMUdseElYVi1uNVRfWVJNVFdjczBqRlBJOGJYT2paVGt6WmxiY1M4TE80NVFiZzNuWlk5Q0dzazVpZTR3VnU5MEh1UDFsMmpzVU9LWUNXcVFpdG9TeUl5aWJLQno?oc=5) · PR Newswire
- 2025-09-14 [Bryan Ward Obituary (1955 - 2025) - Dallas News](https://news.google.com/rss/articles/CBMingFBVV95cUxNN3BsMUM0cFF2SHlBSURPSl9mRFhZMXF6U1ZyUURWb3Q0TkZxSExtWWlqWk45ekc3d3hHN3VocnFyNVRrQ3hJUVB6NmhrNTB1aVhuWUdWNXl4cy1nT2kzS28zbDIyRzFZdENNUG9ZUUNqdkNCanVZTTRJeDNhbnAySml6bDhsbUdHSkhwMjc2elZpVzN0MGUxUXcxNlZjQQ?oc=5) · Dallas News
- 2019-11-15 [William (Willie) Staats Obituary - Baton Rouge, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMikAFBVV95cUxOQmpyQmlaVFg4bXF0SWtlUXVSMERPTmRKa3gzejJqd1FLU2lTQWNaTmtVS2w0M3pGZk82bmxDbmY0bXlocjlSZmZSaTNaME5tMU5tUi1nS2RKNllzd1B6TXhzdzNkODZUZHZSLThITS00MUVqVXl0Q0t1dkR2NWlWM1NJM3MzOERfRFc5N2tuWkQ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21693 (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/61.json (key "21693", 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