LAKE-OSCEOLA STATE BANK

BALDWIN, MI | Small | Est. Jan. 1, 1908, midnight | FDIC #8172 | RSSD #11145 | FDIC
Latest Report: 2025-12-31

LAKE-OSCEOLA STATE BANK is asn small FDIC-insured commercial bank headquartered in BALDWIN, MI, established in Jan. 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $466M and total deposits of $394M. Profitability stands at 0.91% ROA and 8.65% ROE, with a net interest margin of 4.26%. The bank's CET1 capital ratio is 18.54%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.20% and a Texas Ratio of 1.14%. FDIC Certificate #8172.

Assets

$466M

Deposits

$394M

Loans

$258M

Equity

$49M

Profitability

Return on Assets (ROA) 0.91%
Return on Equity (ROE) 8.65%
Net Interest Margin (NIM) 4.26%
Yield on Assets 5.70%
Cost of Funds 1.50%

Asset Quality

NPL Ratio 0.20%
Net Charge-Off Ratio -0.87%
Texas Ratio 1.14%
NPA Ratio 0.13%
ACL / Loans 1.33%

Capital & Liquidity

CET1 Ratio 18.54%
Tier 1 Capital 18.54%
Total Capital Ratio 19.68%
Leverage Ratio 12.22%
Loan-to-Deposit 65.56%

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