Lakeside Bank
Chicago, Illinois · FDIC Cert #19573
Lakeside Bank is an FDIC-insured bank (Certificate #19573) with $2.6B in total assets and $2.2B in total deposits as of the Q2 2024 Call Report. Headquartered in Chicago, Illinois, the bank maintains a Tier 1 capital ratio of 12.32% (Well-Capitalized) and a nonperforming loan ratio of 0.29%. BankHealthData assigns a composite Health Grade of B (73/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Lakeside Bank (FDIC cert 19573) is a mid-sized bank with $2.6B in total assets and $2.2B in deposits, based in Chicago, Illinois. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 12.32% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.29% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 15.4% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.16% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Lakeside Bank carries a composite BankHealth grade of B (73/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Lakeside Bank
- Total Assets
- $2.6B
- Total Deposits
- $2.2B
- Tier 1 Capital Ratio
- 12.32%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.29%
- Liquidity Ratio
- 15.39%
- Return on Assets
- 1.16%
- Headquarters
- Chicago, Illinois
- FDIC Certificate
- #19573
- Health Grade
- B (73/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Lakeside Bank holds a Tier 1 capital ratio of 12.32%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Lakeside Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Lakeside Bank shows strong financial health indicators. With $2.6B in assets and a Health Score of 73/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Lakeside Bank Compares
Lakeside Bank’s Health Score of 73 is 1 points above the Illinois state average of 72 across 333 FDIC-insured banks. Its 12.32% Tier 1 capital ratio is 1.7 points below the US banking industry average near 14%. The 0.29% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.16% is in line with or above the national ROA benchmark of ~1.1%. Among 499 similarly-sized banks, the average Health Score is 73, meaning this bank ranks above its size cohort. Site-wide, Lakeside Bank is 3 points above the portfolio average of 70.
Frequently Asked Questions
Lakeside Bank has a Bank Health Score of B (73/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.32%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Lakeside Bank's Tier 1 capital ratio of 12.32% and nonperforming loan ratio of 0.29% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Lakeside Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #19573). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Lakeside Bank holds $2.6B in total assets and $2.2B in total deposits. It is headquartered in Chicago, Illinois (FDIC Certificate #19573).
Lakeside Bank has a Tier 1 capital ratio of 12.32%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.29%, and the return on assets is 1.16%.
Yes. Lakeside Bank is FDIC-insured (Certificate #19573). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Lakeside Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.