FDIC Cert #21693 · Rockwall, Texas · Est. 1974

Lakeside Bank - FDIC Bank Health Profile

A community-scale look at Lakeside Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$384M
Total assets
A
Health grade · Excellent
1.27%
Return on assets
13.4%
Tier 1 capital

Data updated July 2026

The verdict

Lakeside Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 13.40% Tier 1, profitable at 1.27% ROA, 60% efficiency ratio.

#2,137
largest of 4,313 FDIC banks by assets
50th
percentile by asset size, nationally
13.40%
Tier 1 ratio - above the 10% well-capitalized line
62nd
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 21693 · TX A · 83/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (83/100)
  • MID-PACK #1640/4307
  • PHOTO-FINISH Farmers and Merchant… · ND
  • TIER1-WELL 13.4% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.27% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Farmers and Merchants State Bank, ND (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Lakeside Bank

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank Star · MO · near83/100Farmers and Merchant… · ND ·…83/100Farmers and Miners B… · VA ·…83/100Lakeside Bank · TX · this ba…83/100Oregon Pacific Banki… · OR ·…83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Lakeside Bank · July 2026

Call Report read for Lakeside Bank in a high-failure state

Lakeside Bank (FDIC Cert #21693) carries a PlainBankData health grade of A at 83/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,640 of 4,307. Tier 1 capital prints at 13.40%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.27%. Balance-sheet scale is $384M, 2,137th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Farmers and Merchants State Bank (ND), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Lakeside Bank

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

Lakeside Bank sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about Lakeside Bank's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How Lakeside Bank's 83/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10083/100
Lakeside Bank's composite health score
Tier 1 Capital Ratio (13.40%) 35/40
Return on Assets (ROA) (1.27%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (60.22%) 8/15

83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$384M

Total balance-sheet footings

Total Deposits

$310M

Customer-funded liabilities

Net Loans

$250M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12% 13.4% 14.8%
Basel III capital ratios - Lakeside Bank

Where Lakeside Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Lakeside Bank's score of 83/100 falls in the highlighted band.

Lakeside Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 38% higher than 62% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Lakeside Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Lakeside Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Lakeside Bank's $384M falls in the highlighted band.

Capital & credit buffers at Lakeside Bank

Tier 1 capital ratio
Well-capitalized 10%

13.40% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.40%
Texas Ratio
0.00%
Equity Capital
$54M

What these ratios mean →

Earnings posture at Lakeside Bank

Return on Assets (ROA)
62nd percentile nationally
1.27%
Return on Equity (ROE)
8.63%
Efficiency Ratio
60.22%

What these mean →

Income & expense at Lakeside Bank

$22M
Interest Income
$424K
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Lakeside Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Lakeside Bank on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($384M here), outside Texas so the neighborhood is not state containment.

Peoples Trust Company of St. Albans $384M · VT The Fahey Banking Company $384M · OH Pine Country Bank $384M · MN First Trust Bank of Illinois $384M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Lakeside Bank (FDIC Cert #21693) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Lakeside Bank Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%