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Lakeside Bank
Rockwall, TX · FDIC Certificate #21693 · Chartered 07/1
Total assets
$389.19M
Total deposits
$311.63M
Total equity
$57.66M
Net loans
$259.83M
Branches (offices)
2
Net income (YTD)
$3.25M
Rank: #2,100 of 4,213 U.S. banks by assets · #184 of 346 in Texas. Assets changed 17.0% and deposits 19.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.67% |
| Return on equity | 11.71% |
| Net interest margin (YTD) | 3.76% |
| Equity to assets | 14.81% |
| Tier 1 leverage ratio | 14.37% |
| Uninsured deposits (share of deposits) | 18.1% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 83.4% |
| Real estate loans (share of loans) | 74.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $193.84M | 74.6% | |
| Commercial & industrial | $63.99M | 24.6% | |
| Consumer / individual | $1.85M | 0.7% | |
| Construction & development | $37.55M | 14.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $216.20M | $164.17M | $709.00K | $32.12M |
| Jun 2023 | $341.96M | $255.29M | $3.44M | $37.39M |
| Jun 2024 | $366.22M | $272.79M | $3.21M | $42.02M |
| Jun 2025 | $332.58M | $261.04M | $2.21M | $51.81M |
| Jun 2026 | $389.19M | $311.63M | $3.25M | $57.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $311.63M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $311.63M.
Similar-sized banks
The First Citizens National Bank Of Upper Sandusky ($389.93M) · The Mint National Bank ($388.94M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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