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Lakeside Bank

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q2QoQ +3

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

Quarterly Headline

2024-Q2

Bank #4165907 2024-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.85% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↑ +3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↑ +6
  • Capitalization
    ↓ -9
  • Asset Quality
    ↑ +16
  • Reserves
    ↑ +7

The five pillars

Liquidity

StableQoQ -1
68
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 97.7%, cash 1.9% of assets.

Cash / Assets
1.85%
Loans / Deposits
97.71%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.85% of assets (threshold 3%).

Securities

StrongQoQ +6
92
Sub-score

Securities profile is strong: securities 22.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
22.28%
No watch items at this period.

Capitalization

StrongQoQ -9
82
Sub-score

Capital position is strong: Tier 1 RBC 12.47%, CET1 12.47%, leverage 9.49%.

Tier 1 RBC
12.47%
CET1
12.47%
Leverage
9.49%
No watch items at this period.

Asset Quality

StrongQoQ +16
91
Sub-score

Asset quality is strong: Adjusted NPL 1.53%, Texas Ratio 10.5%, NCO YTD 0.00%.

Adjusted NPL
1.53%
Govt-guarantees stripped
Texas Ratio
10.5%
NCO YTD
0.00%
30-89 PD
0.21%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +7
57
Sub-score

Reserves are deteriorating: ALLL 1.26% of loans, coverage 83.2%, true coverage 81.3%.

ALLL / Loans
1.26%
Coverage
83.2%
True Loss Coverage
81.3%
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