Lake-Osceola State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 1.94 percentage points lower than in Q1 2026, at 63.13%. Within Michigan, Lake-Osceola State Bank is 60th of 72 on loan-to-deposit ratio, 63.19% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Lake-Osceola State Bank sits 17.65 points lower, at 63.19% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $254.9M |
| Net loans and leases | $251.7M |
| Loans held for sale | $289K |
| Loans to total assets | 54.30% |
| Loan-to-deposit ratio | 63.19% |
| Net loans to equity capital | 4.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.31% |
| Multifamily (5+ residential) | 0.18% |
| Commercial and industrial | 6.75% |
| Consumer | 22.08% |
| Credit cards | 0.00% |
| Farm | 1.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.84% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 63.13% |
| Construction concentration (Tier 1 capital + allowance) | 22.21% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.56% |
| Interest income on loans | $4.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $256.7M | $380.8M | 30.45% | 8.73% | 27.66% |
| Q4 2023 | $262.6M | $380.9M | 30.98% | 8.64% | 27.14% |
| Q1 2024 | $264.7M | $378.7M | 30.57% | 8.35% | 27.15% |
| Q2 2024 | $272.6M | $378.8M | 29.72% | 8.10% | 27.77% |
| Q3 2024 | $274.1M | $383.6M | 30.48% | 7.67% | 28.04% |
| Q4 2024 | $267.0M | $392.4M | 30.21% | 7.52% | 27.32% |
| Q1 2025 | $263.3M | $388.4M | 31.48% | 7.71% | 26.40% |
| Q2 2025 | $254.8M | $379.6M | 30.22% | 7.30% | 26.09% |
| Q3 2025 | $254.2M | $381.9M | 31.72% | 6.51% | 25.18% |
| Q4 2025 | $258.0M | $393.6M | 33.11% | 6.10% | 23.63% |
| Q1 2026 | $257.5M | $409.9M | 32.99% | 6.45% | 22.82% |
| Q2 2026 | $254.9M | $403.4M | 32.31% | 6.75% | 22.08% |
Lake-Osceola State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake-Osceola State Bank, freeSource: Call Report Schedule RC-C, 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)