Bank call report · Baldwin, MI
Lake-Osceola State Bank Call Report
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Lake-Osceola State Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 388 reported line items, schedule by schedule (959 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 11145 |
| FDIC certificate number | 8172 |
| Total assets | $469.4M |
Official Q2 2026 call report PDF (FFIEC) →
Lake-Osceola State Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (28 items)
About Schedule RC · Lake-Osceola State Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $469.4M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $469.4M |
| Total Liabilities and Minority Interest | RCON2948 | $417.9M |
| Total Deposits | RCON2200 | $403.4M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $303.3M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $254.6M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $251.4M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $125.6M |
| Deposits: Noninterest-bearing | RCON6631 | $100.1M |
| Total Equity Capital | RCON3210 | $51.5M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $51.5M |
| Interest-bearing Balances | RCON0071 | $39.3M |
| Undivided Profits and Capital Reserves | RCON3632 | $33.8M |
| Surplus | RCON3839 | $25.0M |
| Federal Funds Sold | RCONB987 | $19.9M |
| Other Assets | RCON2160 | $18.1M |
| Other Borrowed Money | RCON3190 | $10.0M |
| Accumulated Other Comprehensive Income | RCONB530 | -$8.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $7.1M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $7.1M |
| Other Liabilities, Total | RCON2930 | $4.5M |
| Allowance for Loan and Lease Losses | RCON3123 | $3.2M |
| Common Stock | RCON3230 | $1.0M |
| Intangible Assets | RCON2143 | $467K |
| Goodwill | RCON3163 | $450K |
| Loans and Leases Held for Sale | RCON5369 | $289K |
| Other Real Estate Owned | RCON2150 | $72K |
| Investments and Unconsolidated Subsidiaries and Associated Companies | RCON2130 | $64K |
Schedule RI: Income Statement (39 items)
About Schedule RI · Lake-Osceola State Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $12.1M |
| Net Interest Income | RIAD4074 | $9.0M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $8.3M |
| Total Noninterest Expense | RIAD4093 | $6.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $4.5M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $4.5M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $3.8M |
| Net Income (Loss) | RIAD4340 | $3.8M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $3.8M |
| Salaries and Employee Benefits | RIAD4135 | $3.3M |
| Total Interest Expense | RIAD4073 | $3.0M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $3.0M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.9M |
| Interest on Other Securities | RIAD4060 | $2.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $1.9M |
| Other Noninterest Expense | RIAD4092 | $1.8M |
| Total Noninterest Income | RIAD4079 | $1.7M |
| Other Noninterest Income | RIADB497 | $1.4M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.2M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.1M |
| Applicable Income Taxes | RIAD4302 | $766K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $734K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $708K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $693K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $516K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $446K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $430K |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $319K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $319K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $294K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $59K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $56K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $56K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $46K |
| Net Servicing Fees | RIADB492 | $17K |
| Provision for Loan and Lease Losses | RIAD4230 | $17K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $4K |
| Other Interest Income | RIAD4518 | $3K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 79 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $46.4M |
| Balances Due from Federal Reserve Banks | RCON0090 | $38.9M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $4.7M |
| Currency and Coin | RCON0080 | $2.8M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $9K |
Schedule RC-B: Securities (31 items)
About Schedule RC-B · Lake-Osceola State Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $2.7M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $2.7M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $8.1M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $8.2M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $11.2M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $11.2M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Amortized Cost | RCONG322 | $10.9M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Fair Value | RCONG323 | $10.6M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $136.1M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $62.6M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $54.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $40.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $29.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :All Other Commercial MBS: Available-for-sale Amortized Cost | RCONK156 | $23.2M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :All Other Commercial MBS: Available-for-sale Fair Value | RCONK157 | $21.6M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $14.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $13.9M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $11.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $10.9M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $10.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $8.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $6.4M |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $6.0M |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $6.0M |
| Amortized Cost of Structured Notes | RCON8782 | $2.5M |
| Fair Value of Structured Notes | RCON8783 | $2.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $1.4M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $882K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $866K |
| Pledged Securities | RCON0416 | $435K |
| Unallocated portfolio layer fair value hedge basis adjustments | RCONMG95 | -$2K |
Schedule RC-C, Part I: Loans and Leases (38 items)
About Schedule RC-C, Part I · Lake-Osceola State Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $254.9M |
| Pledged Loans and Leases | RCONG378 | $185.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $64.2M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $57.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $52.6M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $49.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $42.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $40.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $39.9M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $37.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $26.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $25.1M |
| Commercial and Industrial Loans | RCON1766 | $17.2M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $17.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $14.8M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $13.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $13.6M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $10.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $9.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $9.2M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $6.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $3.9M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $3.8M |
| Real Estate Loans Secured by Farmland | RCON1420 | $3.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $2.5M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $2.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $1.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.3M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $690K |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $465K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $439K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $318K |
| Itemize Loans Secured by Farmland That Exceed 10 Percent of Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONK166 | $219K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - All Other Loans | RCONK165 | $219K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $79K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $22K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $15K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Other Nonfarm Nonresidential Properties | RCONK162 | $10K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (18 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $31.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $13.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $3.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $2.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $1.9M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $1.0M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $802K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $89K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 109 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 94 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 78 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 67 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 21 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 18 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 5 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 3 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 2 |
Schedule RC-E: Deposit Liabilities (24 items)
About Schedule RC-E · Lake-Osceola State Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $220.2M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $205.8M |
| Total Transaction Accounts | RCON2215 | $183.2M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $123.0M |
| Total Demand Deposits (See Note Below) | RCON2210 | $100.1M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $75.2M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $61.4M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $60.2M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $51.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $45.7M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $42.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $36.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $29.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $28.7M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $27.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $21.6M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $14.4M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $9.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $6.2M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $5.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $2.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $1.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $591K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $299K |
Schedule RC-F: Other Assets (10 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $7.0M |
| Other Assets | RCON2168 | $3.5M |
| Net Deferred Tax Assets | RCON2148 | $3.4M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.6M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $1.5M |
| Accrued Interest Receivable | RCONB556 | $1.4M |
| Prepaid Expenses | RCON2166 | $1.3M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $1.2M |
| Second Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3550 | $743K |
| Derivatives with a Position Fair Value Held for Purposes Other Than Trading | RCONC010 | $40K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $3.8M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $443K |
| All Other Liabilities | RCON2938 | $245K |
| Second Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3553 | $214K |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $31K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $28K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Lake-Osceola State Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $473.9M |
| Quarterly Average of Total Loans | RCON3360 | $255.8M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $112.2M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $93.8M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $90.3M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $86.2M |
| All Other Securities | RCONB560 | $80.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $67.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $57.6M |
| Mortgage-backed Securities | RCONB559 | $57.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $42.2M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $38.1M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $23.0M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $15.9M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $13.1M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · Lake-Osceola State Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $13.4M |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $10.7M |
| Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate | RCONA589 | $10.7M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $10.7M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $8.1M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $4.7M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $1.8M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $111K |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $40K |
Schedule RC-M: Memoranda (5 items)
About Schedule RC-M · Lake-Osceola State Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $10.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $4.9M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $72K |
| All other intangible assets | RCONJF76 | $17K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (12 items)
About Schedule RC-N · Lake-Osceola State Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $787K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $604K |
| Additions to Nonaccrual Assets | RCONC410 | $526K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $487K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $206K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $172K |
| 1-4 Family Residential Construction Loans, Nonaccrual | RCONF176 | $169K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $131K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $94K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $63K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $58K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $11K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Lake-Osceola State Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $473.9M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $403.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $246.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $148.4M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $59.9M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $8.2M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.2M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 18,676 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 251 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 196 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 3 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (11 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Available-for-sale Securities - Level 1 Fair Value Measurements | RCONG475 | $136.1M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCONG504 | $136.1M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $125.6M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $125.6M |
| Available-for-sale Securities - Less Amounts Netted in the Determination of Total Fair Value | RCONG474 | $10.5M |
| Total Assets Measured at Fair Value on a Recurring Basis - Less Amounts Netted in the Determination of Total Fair Value | RCONG503 | $10.5M |
| All Other Assets - Level 2 Fair Value Measurements | RCONG396 | $3K |
| All Other Assets - Total Fair Value Reported on Schedule Rc | RCONG391 | $3K |
| Third Itemized Amount That Exceeds $100,000 and Exceed 25% of All Other Assets Measured at Fair Value on a Recurring Basis (Rc-q 6.) - Level 2 Fair Value Measurements | RCONG559 | $3K |
| Third Itemized Amount That Exceeds $100,000 and Exceed 25% of All Other Assets Measured at Fair Value on a Recurring Basis (Rc-q 6.) - Total Fair Value Reported on Schedule Rc | RCONG556 | $3K |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $3K |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Lake-Osceola State Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $295.7M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Lake-Osceola State Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $473.9M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $473.4M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $295.7M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $62.6M |
| Common Equity Tier 1 Capital | RCOAP859 | $59.3M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $59.3M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $59.3M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $51.5M |
| Retained Earnings | RCOAKW00 | $33.8M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $26.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$8.3M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$8.3M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $3.3M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $3.3M |
| Tier 2 Capital Before Deductions | RCOAP870 | $3.3M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $467K |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $450K |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $17K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.2116 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.2006 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.2006 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1316 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1253 |
Schedule RC-R, Part II: Risk-Weighted Assets (62 items)
About Schedule RC-R, Part II · Lake-Osceola State Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $295.7M |
| Total Risk-weighted Assets | RCONG641 | $295.7M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $211.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $211.8M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $206.2M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $174.9M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $173.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $99.5M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $99.5M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $90.3M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $79.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $79.4M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $79.4M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $77.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $57.5M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $57.3M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $53.7M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $49.8M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $46.4M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $43.1M |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Adjustments to Total Reported in Column a | RCONS481 | $35.4M |
| Total On-balance Sheet Securitization Exposures, Available-for-sale Securities | RCONS480 | $35.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $28.1M |
| Total All Other Assets | RCOND981 | $25.8M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | $22.1M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $21.8M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $19.9M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $19.9M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $18.6M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $15.9M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $13.9M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $11.3M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $10.7M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$10.5M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $8.6M |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Ssfa Risk Weight Exposure, by Calculation Methodology | RCONS483 | $8.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $5.6M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $5.6M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $3.4M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $3.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $3.4M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $3.3M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $2.5M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $1.6M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $1.2M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $1.2M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $1.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $772K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $501K |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $456K |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $450K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $311K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $304K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $304K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $304K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $304K |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $289K |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $289K |
| Over-the-counter Derivatives - 0 Pct Risk Weight Category | RCONS543 | $163K |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $163K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $49K |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $3K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $14.2M |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $51.5M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $48.8M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $48.8M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $720K |
| Other Comprehensive Income | RIADB511 | -$285K |
| Other Transactions with Stockholders (Including Parent Holding Company) | RIAD4415 | -$50K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (7 items)
About Schedule RI-B, Part I · Lake-Osceola State Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $228K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $185K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $36K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $20K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $15K |
| Charge-offs on Automobile Loans | RIADK129 | $7K |
| Recoveries on Automobile Loans | RIADK133 | $5K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Lake-Osceola State Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $3.4M |
| Allowance for Loan and Lease Losses | RIAD3123 | $3.2M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $228K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $29K |
Schedule RI-E: Explanations (20 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Second Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4462 | $716K |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $584K |
| Data Processing Expenses | RIADC017 | $384K |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $288K |
| Accounting and Auditing Expenses | RIADF556 | $120K |
| Directors' Fees | RIAD4136 | $92K |
| Telecommunications Expense | RIADF559 | $88K |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $86K |
| Operating Expenses Communications - Postage, Monthly | RIAD8403 | $65K |
| Consulting and Advisory Expense | RIADF557 | $55K |
| Printing, Stationery, and Supplies | RIADC018 | $54K |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $50K |
| First Itemized Transaction of Other Transactions with Stockholders (Including Parent Holding Company) (4415) | RIAD4498 | -$50K |
| Marketing and Other Professional Services | RIAD0497 | $38K |
| Insurance Expenses (Not Included in Emplouee Expenses, Premises and Fixed Asset Expenses, and Other Real Estate Owned Expenses) | RIADY924 | $29K |
| Income and Fees from the Printing and Sale of Checks | RIADC013 | $20K |
| Gross Income from Real Estate Owned Operations | RIAD4042 | $17K |
| Income and Fees from Wire Transfers | RIADT047 | $14K |
| Safe Deposit Box Rent | RIADC015 | $8K |
| Other Real Estate Owned Expenses | RIADY923 | $1K |
Lake-Osceola State Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Lake-Osceola State Bank call report?
The Lake-Osceola State Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Lake-Osceola State Bank file?
Lake-Osceola State Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Lake-Osceola State Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Lake-Osceola State Bank has Federal Reserve RSSD ID 11145 and FDIC certificate number 8172. Either one finds its filings on the FFIEC Central Data Repository.
How often does Lake-Osceola State Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Lake-Osceola State Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 8172) · FFIEC NIC profile (RSSD 11145)