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1-866-892-1LSB (1572)
55 West Wacker Drive
Chicago, IL 60601

Lakeside Bank is headquartered in Chicago and is the 34th largest bank in the state of Illinois. It is also the 591st largest bank in the nation. It was established in 1966 and as of December of 2013, it had grown to 123 employees at 6 locations. Lakeside Bank has a B health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Lakeside Bank had $51.32 million in non-current loans and owned real-estate with $179.65 million in equity and loan loss allowances on hand to cover it. This gives Lakeside Bank a Texas Ratio of 28.57% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Lakeside Bank experienced no significant changes from 26.47% as of December 31, 2012 to 28.57% as of December 31, 2013, resulting in a negative change of 7.94%. This indicates that the balance sheet and financial strength for Lakeside Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Lakeside Bank has increased its total deposits by $7.78 million, resulting in 0.82% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Lakeside Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Lakeside Bank has $1.12 billion in assets with $179.65 million in equity, resulting in a capitalization level of 15.99%, which is excellent.

Institution Statistics

FDIC Certificate #19573
Year Established1966
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.12 billion
Loans$955.76 million
Deposits$953.72 million
Equity Capital$152.02 million
Loan Loss Allowance$27.63 million
Unbacked Noncurrent Loans$39.89 million
Real Estate Owned$11.43 million
Historic Data - December 2012
Assets$1.10 billion
Equity Capital$134.05 million
Loan Loss Allowance$24.51 million
Unbacked Noncurrent Loans$39.89 million
Real Estate Owned$14.04 million
Profit Margin - Quarterly
Net Interest Margin4.33%
Return on Assets2.52%
Return on Equity20.16%
Interest Income$52.70 million

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Lakeside Bank Locations
Roosevelt Office Branch1055 West RooseveltChicago, IL 60608
Board Of Trade Facility141 West Jackson BoulevardChicago, IL 60604
Indiana Facility2141 South Indiana AvenueChicago, IL 60616
Chinatown Facility2200 South Archer AvenueChicago, IL 60616
Lakeview/Lincoln Park Branch2800 N Ashland AveChicago, IL 60657
Lakeside Bank55 West Wacker DriveChicago, IL 60601