Lakeside Bank (FDIC certificate #21693) is based in Rockwall, Texas. Its Q2 2026 call report shows $389.2M in total assets and $311.6M in deposits and 2 offices.
Lakeside Bank has a TellerScore of 92 out of 100 (very strong) based on Q2 2026 data — higher than 97% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 11th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (73/100, 83% loans-to-deposits, 18% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (92 → 92).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 81 |
| Q4 2024 | 83 |
| Q1 2025 | 95 |
| Q2 2025 | 92 |
| Q3 2025 | 88 |
| Q4 2025 | 84 |
| Q1 2026 | 90 |
| Q2 2026 | 92 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.55% |
| Q3 2024 | 11.35% |
| Q4 2024 | 11.74% |
| Q1 2025 | 15.71% |
| Q2 2025 | 15.96% |
| Q3 2025 | 13.58% |
| Q4 2025 | 13.40% |
| Q1 2026 | 13.66% |
| Q2 2026 | 14.37% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.59% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.77% |
| Q3 2024 | 1.77% |
| Q4 2024 | 1.78% |
| Q1 2025 | 1.93% |
| Q2 2025 | 1.40% |
| Q3 2025 | 1.23% |
| Q4 2025 | 1.27% |
| Q1 2026 | 1.65% |
| Q2 2026 | 1.67% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 92 | $389.2M | 14.37% | 0.00% | 1.67% | 83.4% |
| Q1 2026 | 90 | $394.8M | 13.66% | 0.00% | 1.65% | 76.2% |
| Q4 2025 | 84 | $384.0M | 13.40% | 0.00% | 1.27% | 80.8% |
| Q3 2025 | 88 | $404.6M | 13.58% | 0.00% | 1.23% | 70.6% |
| Q2 2025 | 92 | $332.6M | 15.96% | 0.00% | 1.40% | 81.9% |
| Q1 2025 | 95 | $307.8M | 15.71% | 0.00% | 1.93% | 87.1% |
| Q4 2024 | 83 | $308.0M | 11.74% | 0.10% | 1.78% | 88.4% |
| Q3 2024 | 81 | $346.9M | 11.35% | 0.38% | 1.77% | 77.2% |
| Q2 2024 | 77 | $366.2M | 10.55% | 0.59% | 1.77% | 73.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The MINT National BankBank Kingwood, TX | 61 out of 100, Moderate | $388.9M | 18.3% | 2.78% | vs |
| Farmers State BankBank Center, TX | 89 out of 100, Very strong | $391.5M | 14.4% | 0.59% | vs |
| Yoakum BankBank Yoakum, TX | 73 out of 100, Strong | $385.8M | 9.4% | 0.19% | vs |
| TrustTexas Bank, SSBBank Cuero, TX | 54 out of 100, Below average | $393.5M | 8.0% | 0.67% | vs |
| The First National Bank of StantonBank Stanton, TX | 85 out of 100, Very strong | $394.9M | 17.5% | 1.08% | vs |
| Austin Capital Bank SSBBank Austin, TX | 67 out of 100, Moderate | $395.4M | 10.2% | 0.30% | vs |
Deposit insurance
Is my money safe at Lakeside Bank?
Yes. Lakeside Bank is an FDIC-insured institution (FDIC certificate #21693). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.1% of deposits ($56.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.37%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Lakeside Bank lists 2 offices in 2 cities. Most locations:
- Dallas, TX (1)
- Rockwall, TX (1)
Identity & history
Profile
- Legal name
- Lakeside Bank
- Former names
- Lakeside National Bank
- Type
- State-chartered bank
- FDIC certificate #
- 21693
- RSSD ID
- 32766
- Primary regulator
- FDIC
- Holding company
- Pfbs Holdings Inc
- Established
- July 12, 1974
- Headquarters
- 2805 Ridge Rd, Rockwall, TX 75032
- Website
- www.lbtexas.com
- Employees
- 21
Quick answers
Lakeside Bank: common questions
Is Lakeside Bank FDIC insured?
Yes. Lakeside Bank is an FDIC-insured institution (FDIC certificate #21693). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Lakeside Bank's TellerScore?
92 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Lakeside Bank ever failed?
There is no failure record for FDIC certificate #21693 in the FDIC failed bank list.
How many branches does Lakeside Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Rockwall
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA | 96 out of 100, Very strong | $58.2M | 22.0% | 0.33% | vs |
| Service 1st Credit UnionCredit union Greenville, TX | 91 out of 100, Very strong | $71.3M | 16.8% | 0.78% | vs |
| Safe 1 Credit UnionCredit union Bakersfield, CA | 90 out of 100, Very strong | $1.2B | 16.0% | 0.37% | vs |
| The State Credit UnionCredit union Charleston, WV | 90 out of 100, Very strong | $95.3M | 19.1% | 0.25% | vs |
| Seagoville Federal Credit UnionCredit union Seagoville, TX | 89 out of 100, Very strong | $15.8M | 21.6% | 0.21% | vs |
| Somerville Municipal Federal Credit UnionCredit union Somerville, MA | 89 out of 100, Very strong | $49.0M | 19.1% | 0.48% | vs |