Lake-Osceola State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Tangible equity to tangible assets, which rose 0.59 percentage points to 10.89%. Within Michigan, Lake-Osceola State Bank is 7th of 43 on CET1 ratio, 20.06% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Lake-Osceola State Bank sits 4.99 points higher, at 20.06% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.06% |
| Tier 1 risk-based capital ratio | 20.06% |
| Total risk-based capital ratio | 21.16% |
| Tier 1 leverage ratio | 12.53% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $59.3M |
| Tier 1 capital | $59.3M |
| Total risk-based capital | $62.6M |
| Total equity capital | $51.5M |
| Risk-weighted assets | $295.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.97% |
| Tangible equity to tangible assets | 10.89% |
| Equity capital to average assets | 10.87% |
| Internal capital growth rate | 7.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $25.0M |
| Retained earnings | $33.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.30% | 15.30% | 16.51% | 11.05% | $317.6M |
| Q4 2023 | 15.37% | 15.37% | 16.58% | 11.13% | $317.1M |
| Q1 2024 | 15.76% | 15.76% | 16.96% | 11.33% | $318.8M |
| Q2 2024 | 15.82% | 15.82% | 17.00% | 11.56% | $323.9M |
| Q3 2024 | 15.40% | 15.40% | 16.65% | 10.24% | $322.6M |
| Q4 2024 | 16.00% | 16.00% | 17.25% | 11.18% | $317.5M |
| Q1 2025 | 16.62% | 16.62% | 17.87% | 11.58% | $314.5M |
| Q2 2025 | 17.91% | 17.91% | 19.07% | 12.06% | $299.6M |
| Q3 2025 | 18.70% | 18.70% | 19.86% | 12.06% | $296.4M |
| Q4 2025 | 18.54% | 18.54% | 19.68% | 12.22% | $301.0M |
| Q1 2026 | 19.19% | 19.19% | 20.28% | 12.27% | $303.6M |
| Q2 2026 | 20.06% | 20.06% | 21.16% | 12.53% | $295.7M |
Lake-Osceola State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake-Osceola State Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Lake-Osceola State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8172) · FFIEC NIC profile (RSSD 11145)