Lake-Osceola State Bank: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits climbed 3.39 percentage points in Q2 2026, from 21.41% to 24.81%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, Lake-Osceola State Bank is 37th of 72 on total deposits, $403.4M as of Q2 2026, below the middle of the field. Lake-Osceola State Bank reported $403.4M on total deposits for Q2 2026, 45% above the $277.3M median for banks in the $100M-1B asset tier.
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $403.4M |
| Domestic office deposits | $403.4M |
| Foreign office deposits | — |
| Deposits to total assets | 85.93% |
| Deposits to total liabilities | 96.53% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $100.1M |
| Savings deposits | $61.4M |
| Transaction accounts to domestic deposits | 45.40% |
| Time deposits | $27K |
| Time deposits under $100k | $42.3M |
| Time deposits $100k to $250k | $36.5M |
| Time deposits over $250k | $28.7M |
| Noninterest-bearing share of deposits | 24.81% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $374.7M |
| Core deposits to total deposits | 92.89% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 1.73% |
| Interest expense on deposits | $1.3M |
| Loans and leases to core deposits | 68.03% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $380.8M | 90.58% | 3.09% | 1.38% |
| Q4 2023 | $380.9M | 90.59% | 3.09% | 1.80% |
| Q1 2024 | $378.7M | 90.51% | 3.10% | 1.91% |
| Q2 2024 | $378.8M | 90.02% | 3.10% | 1.98% |
| Q3 2024 | $383.6M | 89.94% | 3.06% | 2.11% |
| Q4 2024 | $392.4M | 89.64% | 3.00% | 2.18% |
| Q1 2025 | $388.4M | 91.97% | 0.00% | 1.92% |
| Q2 2025 | $379.6M | 91.83% | 0.00% | 1.84% |
| Q3 2025 | $381.9M | 93.02% | 0.00% | 1.85% |
| Q4 2025 | $393.6M | 91.97% | 0.00% | 1.82% |
| Q1 2026 | $409.9M | 92.09% | 0.00% | 1.75% |
| Q2 2026 | $403.4M | 92.89% | 0.00% | 1.73% |
Lake-Osceola State Bank deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake-Osceola State Bank, freeSource: Call Report Schedules RC-E and RC-O, 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)