Lakeside Bank
Chicago, Illinois · $2.85B in assets · beside the 11 other Illinois banks between $1B and $3B
The filing
Lakeside Bank is the largest of the 12 Illinois banks nearest its size between $1B and $3B, with $2.85B in assets at 30 June 2026. Loans are 94.6% of deposits, 10th of 12 against a median of 89.0%, and equity is 10.7% of assets, 2nd of 12. Loans grew +6.9% in the year, 6th of 12, and deposits grew 8.7%; the cohort's median loan growth is +6.3%.
Noncurrent loans are 0.03% of the book, the lowest in the cohort against a median of 0.37%; 0.27% is 30 to 89 days past due, and the allowance covers them 36.9 times. Commercial real estate is 72.5% of loans, 11th of 12 against a median of 32.1%, and 491% of capital, above the 300% screen, with construction at 137% against the 100% screen.
Return on assets is 1.82%, the highest in the cohort against a median of 1.43%, on an efficiency ratio of 52.8%, 6th of 12. Five years ago it was 1.64%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 12.7% of loans).
Commercial real estate against capital
| Lakeside Bank | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 491% | 11th of 12 | 267% |
| Construction against capital, the 100% screen | 137% | 12th of 12 | 41% |
| Construction and land development, share of loans | 20.2% | 12th of 12 | 5.4% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 37.1% | 12th of 12 | 13.6% |
| Total CRE, the guidance definition, share of loans | 72.5% | 11th of 12 | 32.1% |
| CRE growth over 36 months, the third prong | +20.5% | 7th of 12 | +14.8% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $2.85B | 1.8% | 52.8% | 0.03% | -0.02% | 1.2% | 94.6% | 10.7% | |
| $2.81B | 1.4% | 37.2% | 0.18% | 0.07% | 0.5% | 87.7% | 10.1% | |
| $2.69B | 1.6% | 58.0% | 0.40% | 0.29% | 0.7% | 91.0% | 9.9% | |
| $2.68B | 1.2% | 63.8% | 1.10% | 0.10% | 1.1% | 80.9% | 9.1% | |
| $2.64B | 1.8% | 51.0% | 0.76% | 0.01% | 1.1% | 90.3% | 8.1% | |
| $2.61B | 1.3% | 61.5% | 1.27% | 0.02% | 1.2% | 74.1% | 12.3% | |
| $2.56B | 1.7% | 34.5% | 0.11% | 0.04% | 0.5% | 84.3% | 9.3% | |
| $2.26B | 1.5% | 34.0% | 0.34% | 0.13% | 0.8% | 94.0% | 8.9% | |
| $2.23B | 0.3% | 80.2% | 1.09% | 0.14% | 0.8% | 85.7% | 8.9% | |
| $2.09B | 0.7% | 74.2% | 0.10% | 0.04% | 1.0% | 80.6% | 9.1% | |
| $2.08B | 1.5% | 62.1% | 0.84% | 0.23% | 1.2% | 99.8% | 8.6% | |
| $2.07B | 1.3% | 50.9% | 0.29% | 0.02% | 1.5% | 95.2% | 9.1% |
| Lakeside Bank | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $1.67B | $2.33B | +40% | $1.23B | $1.85B | +50% |
| Deposits | $1.84B | $2.46B | +33% | $1.42B | $2.24B | +57% |
| NPA / loans | 0.89% | 0.03% | -0.86 pts | 0.37% | 0.37% | -0.00 pts |
| Efficiency | 51.0% | 52.8% | +1.9 pts | 59.3% | 55.4% | -3.9 pts |
| ROA | 1.64% | 1.82% | +0.18 pts | 1.11% | 1.43% | +0.33 pts |
This read was prepared for Lakeside Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Lakeside Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort IL banks $1B to $3B
Institution WWW.LAKESIDEBANK.COM
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