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Lakeside Bank

IDRSSD: 4165907
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q1QoQ -12

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #4165907 2024-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Watch

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.91% of assets (threshold 3%).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.62%.

What changed this quarter

Compared to Q4 2023:
↓ -12 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    ↓ -2
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -15
  • Reserves
    ↓ -41

The five pillars

Liquidity

StableQoQ -14
69
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 96.4%, cash 1.9% of assets.

Cash / Assets
1.91%
Loans / Deposits
96.38%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.91% of assets (threshold 3%).

Securities

StrongQoQ -2
87
Sub-score

Securities profile is strong: securities 24.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
23.95%
No watch items at this period.

Capitalization

StrongQoQ +4
91
Sub-score

Capital position is strong: Tier 1 RBC 12.92%, CET1 12.92%, leverage 9.46%.

Tier 1 RBC
12.92%
CET1
12.92%
Leverage
9.46%
No watch items at this period.

Asset Quality

StableQoQ -15
75
Sub-score

Asset quality is stable: Adjusted NPL 1.77%, Texas Ratio 11.7%, NCO YTD 0.01%.

Adjusted NPL
1.77%
Govt-guarantees stripped
Texas Ratio
11.7%
NCO YTD
0.01%
30-89 PD
0.28%
Band 0.3% / 3.0%
90+ PD
1.62%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.62%.

Reserves

WatchQoQ -41
50
Sub-score

Reserves are deteriorating: ALLL 1.26% of loans, coverage 72.1%, true coverage 70.6%.

ALLL / Loans
1.26%
Coverage
72.1%
True Loss Coverage
70.6%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 10:53:26 UTC