Bank Comparison
Lake-osceola State Bank vs Auto Club Trust, FSB
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
22 · 1
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Lake-osceola State Bank | Auto Club Trust, FSB |
|---|---|---|
| CET1 Ratio | 19.19% | 17.94% |
| Tier 1 Capital Ratio | 19.19% | 17.94% |
| Total Capital Ratio | 20.28% | 19.13% |
| Tier 1 Leverage Ratio | 12.27% | 9.80% |
| Equity / Assets | 10.41% | 6.90% |
Profitability
| Metric | Lake-osceola State Bank | Auto Club Trust, FSB |
|---|---|---|
| Return on Assets (ROA) | 1.76% | -0.74% |
| Return on Equity (ROE) | 16.94% | -12.02% |
| Net Interest Margin (NIM) | 3.90% | 1.36% |
| Yield on Earning Assets | 5.23% | 4.59% |
| Cost of Funds | 1.44% | 3.68% |
Asset quality
| Metric | Lake-osceola State Bank | Auto Club Trust, FSB |
|---|---|---|
| Texas Ratio | 2.69% | 10.77% |
| Non-Performing Loan Ratio | 0.52% | 0.94% |
| Non-Performing Asset Ratio | 0.30% | 0.51% |
| Net Charge-Off Ratio | 0.21% | 0.57% |
| ACL / Loans | 1.26% | 1.35% |
Balance sheet
| Metric | Lake-osceola State Bank | Auto Club Trust, FSB |
|---|---|---|
| Total Assets | $481,410K | $466,093K |
| Total Deposits | $409,947K | $339,070K |
| Total Loans | $257,466K | $242,018K |
| Total Equity | $50,114K | $32,172K |
| Net Income (quarter) | $2,095K | $-937 |
Liquidity & funding
| Metric | Lake-osceola State Bank | Auto Club Trust, FSB |
|---|---|---|
| Loan-to-Deposit Ratio | 62.80% | 71.38% |
| Core Deposit Ratio | 92.09% | 85.91% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Lake-osceola State Bank | Auto Club Trust, FSB |
|---|---|---|
| Headquarters City | BALDWIN | Dearborn |
| Headquarters State | MI | MI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 715850 |
| Regulator | FDIC | OCC |
| Domestic Branches | 13 | 1 |
| Employees (FTE) | 79 | 65 |
| Established | Jan. 1, 1908, midnight | Nov. 30, 1999, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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