Advertisement
Lake-Osceola State Bank
Baldwin, MI · FDIC Certificate #8172 · Chartered 01/0
Total assets
$469.41M
Total deposits
$403.38M
Total equity
$51.51M
Net loans
$251.66M
Branches (offices)
12
Net income (YTD)
$3.77M
Rank: #1,861 of 4,213 U.S. banks by assets · #37 of 72 in Michigan. Assets changed 5.0% and deposits 6.3% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.60% |
| Return on equity | 15.05% |
| Net interest margin (YTD) | 4.14% |
| Equity to assets | 10.97% |
| Tier 1 leverage ratio | 12.53% |
| Uninsured deposits (share of deposits) | 24.8% |
| Noncurrent loans (share of loans) | 0.24% |
| Net charge-offs (share of loans) | 0.16% |
| Loans to deposits | 62.4% |
| Real estate loans (share of loans) | 71.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $179.26M | 71.2% | |
| Commercial & industrial | $17.22M | 6.8% | |
| Consumer / individual | $56.29M | 22.4% | |
| Construction & development | $13.89M | 5.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $412.59M | $357.54M | $2.08M | $30.97M |
| Jun 2023 | $476.77M | $414.98M | $2.77M | $32.46M |
| Jun 2024 | $443.21M | $378.83M | $3.10M | $37.87M |
| Jun 2025 | $447.16M | $379.62M | $4.05M | $43.80M |
| Jun 2026 | $469.41M | $403.38M | $3.77M | $51.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $403.38M | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $403.38M.
Similar-sized banks
Solutions North Bank ($469.46M) · First National Bank In Olney ($469.29M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement