# LAKESIDE BANK
LAKE CHARLES, LA · FDIC certificate 58961 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $381.9M | |
| Deposits | $283.6M | |
| Loans and leases | $227.0M | |
| Total equity | $36.3M | |
| Loans / deposits | 79.00% (p44 of band) | 82.04% |
| Liquid assets / assets | 37.59% (p79 of band) | |
| Uninsured deposits / deposits | 45.58% (p92 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 15.71% (p88 of band) | |
| FHLB advances / assets | 15.71% | |
| Tier 1 leverage | 9.69% (p27 of band) | 10.81% |
| Unrealized securities loss / equity | -7.07% (p54 of band) | -8.10% |
| AOCI / equity | -1.79% (p10 of band) | |
| ROA (annualized) | 0.57% (p13 of band) | 1.28% |
| Net interest margin | 2.85% (p7 of band) | 3.91% |
| Efficiency ratio | 67.67% (p68 of band) | |
| Noncurrent loans | 0.92% (p70 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p64 of band) | |
| Reserve coverage of noncurrent | 141.59% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 37.72% (p44 of band) | |
| Auto loans | $853,000 (0.38% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2011-06 | 5 | brokered >10%, wholesale funding >15% |  |
| 2011-09 | 5 | capital falling | wholesale funding >15% |
| 2011-12 | 6 | wholesale funding >15% |  |
| 2012-03 | 4 |  | NIM <2.5%, wholesale funding >15% |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 2 |  | expense ratio p90, brokered >10% |
| 2013-03 | 0 |  | losing money, capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 2 | construction >100% equity |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | capital falling |  |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | capital falling | construction >100% equity |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | construction >100% equity |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | NIM <2.5% |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | charge-offs p90, deposits shrinking | NIM <2.5% |
| 2022-06 | 4 | assets shrinking |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 1 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | construction >100% equity |
| 2024-03 | 5 | wholesale funding >15%, noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2024-06 | 3 |  | noncurrent p90, uninsured deposits leaving |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 | charge-offs p90 | deposits shrinking |
| 2025-03 | 1 |  | reserve under noncurrent, charge-offs p90 |
| 2025-06 | 1 |  |  |
| 2025-09 | 3 | capital falling, reserve under noncurrent |  |
| 2025-12 | 1 |  | capital falling, reserve under noncurrent |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-07-14 [Catalyst Bancorp, Inc. Completes Acquisition of Lakeside Bancshares, Inc. - PR Newswire](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQRnQxbFJPOWllOXF6MVVPY1h3cDdkZlBONXkzNEcyRDBzZHVhY0dBSHdvRmQ0N1BPeThmaWtiWmZOSGJQMDJ4dHh1ZDh5bTZEWGJWRWYycUdyZF84bHZBZnp2WUtkdkhnbGF4djI2TWpSM3lsNjRHUm94QXVxRGRtV0lvQkxpcjUySE9nNDhxdHFMQlFnR190VFZXN1lLZkZRWWVROU5LTFdUVkRsU1Ntd19qc3daRlRVNVJpMzQ5TS16U1U?oc=5) · PR Newswire
- 2026-07-15 [Catalyst Bank completes merger with a Lake Charles-based bank. See the details. - The Advocate](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQRzF3aVFLRmhGRkU5ejFPU1l4TXB1cFdnY1ltNmtqME9sOG1iRGV4OEN6V0NlZ2wzai1MUXdMdEtNUEN5NllULXJqR3BEUGVETjdsZUkyWVhXTFM2ME82cXhvM1JMeGZlRjZoU2w1cmNaVUliTV9LQTVvN045ZHEyaW9zUEZqaUJsY2h0UVBpVmF2MEgycDlVUUpMWGs0MVJmWmlhN0RTTHVuSVEtY3hJcVZQRTdjUzFpa29FVS1oa1MyMzBkM29LV2pXQWxUVDg4TEpncGRFTTByMXRaeUN5X3FkdmY?oc=5) · The Advocate
- 2026-07-14 [Catalyst Bancorp Completes Acquisition Of Lakeside Bancshares, Creating A $620 Million Community Bank Across Southwest Louisiana - Pulse 2.0](https://news.google.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?oc=5) · Pulse 2.0
- 2026-06-26 [Catalyst Bancorp, Inc. and Lakeside Bancshares, Inc. Announce Shareholder and Regulatory Approvals for Pending Mergers - PR Newswire](https://news.google.com/rss/articles/CBMi_wFBVV95cUxOdVRjTU9NN3JPbTVUQkNTX0lxNC1QaGF5dDlEd2syd1I5RDd4VFAwTUMyVTRMSm93YW5mcTB4bXBERlBKSjNfa2s2dEJOelFqSTNwS3cyeHM2Y0N2S1lFSFRCMnY3UHUtTTBjZTB3YnRzOTQtTVM1Z2ZOSjc3ekx4M2gwdFRhRGhTcUcteVZzaDcySVk1Y1BJMExZbEY3U2Nta0FHNEthTjh4LXZOZ3NSSjl2aVlRWUQwVERxZXo4SWluRGhUa2liNjhiTHZHMXIxRTRVOEllRHNqYjZXNjIyT2plQzY1VkRsMGhzb01xeFFhc2xVTzdUNEhNRy1Ucms?oc=5) · PR Newswire
- 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
- 2026-04-09 [Catalyst Bancorp: $41.1 Million Acquisition Of Community Bank Lakeside Bancshares - Pulse 2.0](https://news.google.com/rss/articles/CBMioAFBVV95cUxOTUh0eVJVbGxQdkFxRWZFTHpKSk81RXI1U1o2QVQ3VEN5RGRvUlJPT2JoU0NFWTJFV3JVTFYzV291d0RjRk1wSkhVMjN5ekdtX2RuMTY1RDVjU1pHSEh1SHlYSldxTzBZNnRsUVR0MzBfNTgtbXowSWNvSnRSMGF1ZjJnZTBEWl9JTzdGaEJUYXZKX2FNR1RyWVRwYVNkMFBH0gGmAUFVX3lxTE11b0dvR1VzMThZVGR1T2prWEFKR21QNHFURnFLcHN3WGZLSmc4VDZLQVk0c1dleTdwNnJkOURlaWlaMFhwSkJyU3FWU1JaM3RFdEYyS2pHM1ZNMWVGM204RFBSUXJiZE1nM1RMY2V4VVlNSUFRZERWWUk0eTEtLThHLUd3LUlhRjgtTWNDRTlHRXJMVTlJeHZjd0J1MXh6czRUS05VVmc?oc=5) · Pulse 2.0
- 2026-04-09 [Catalyst Bank to acquire this Lake Charles-based bank - The Advocate](https://news.google.com/rss/articles/CBMi7AFBVV95cUxNNG9UU1UzWTlrcmljXzJlT2dDbU1ua0VMN2pfOVdfQlc4WGI3ZnMwYXBPc1BOaW5LN1UtNnUxYTVZZ0I2RmZKTkxxcGZLd05CdFBWeGdic0xwWkZ4SnBjaVZvbkNqemFXcUNuc1gzOGFBbDducnFzTEc5MWQ3S2dhcXR0S2ZnOGE1bEJfUGU0QmxGRGlQbUpLMmVtMnlrSTdyaGwyNXpDSXEyQjlPYl9TRGNjWm4tdERiVEhDeE1uSFREbGF2WkNjcGZ1QVZKZnRKcVdrZXdxRGItdzdlM3U5NHo5X1pweUNhYUZaWA?oc=5) · The Advocate
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58961 (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/17.json (key "58961", 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.

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