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Lakeside Bank

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q4QoQ -2

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

Quarterly Headline

2024-Q4

Bank #4165907 2024-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.05% of loans.
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.75% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -12

The five pillars

Liquidity

StrongQoQ +8
89
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 88.9%, cash 9.4% of assets.

Cash / Assets
9.39%
Loans / Deposits
88.88%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 17.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
17.68%
No watch items at this period.

Capitalization

StrongQoQ +4
92
Sub-score

Capital position is strong: Tier 1 RBC 13.82%, CET1 13.82%, leverage 9.53%.

Tier 1 RBC
13.82%
CET1
13.82%
Leverage
9.53%
No watch items at this period.

Asset Quality

StableQoQ -13
75
Sub-score

Asset quality is stable: Adjusted NPL 0.86%, Texas Ratio 5.7%, NCO YTD 2.05%.

Adjusted NPL
0.86%
Govt-guarantees stripped
Texas Ratio
5.7%
NCO YTD
2.05%
30-89 PD
1.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.05% of loans.

Reserves

WatchQoQ -12
42
Sub-score

Reserves are deteriorating: ALLL 0.75% of loans, coverage 87.4%, true coverage 83.8%.

ALLL / Loans
0.75%
Coverage
87.4%
True Loss Coverage
83.8%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.75% of loans.

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