PFBS HOLDINGS INC is the parent banking group. LAKESIDE BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

PFBS HOLDINGS INC

Legal name: PFBS HOLDINGS, INC.

1 active bank · $395M combined assets

RSSD ID: 5375785 (FFIEC NIC)

Combined Assets

$395M

CRA Rating Summary

Satisfactory1charter

Across all 1 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankLAKESIDE BANKROCKWALL, TXSatisfactory$395MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$395M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$320M

Net Income

$2M

ROA (avg)

1.65%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

122

Origination Rate

59.02%

Denial Rate

12.3%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
LAKESIDE BANK	ROCKWALL, TX	FDIC	$395M	100.0%	Satisfactory	Apr 2022

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.