Lake-Osceola State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lake-Osceola State Bank of Baldwin, MI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.42% | 1.34% | +0.08% | 58th above |
| ROAE Behind the peer average, ahead of the median peer. | 13.21% | 13.31% | -0.10% | 55th above |
| Net Interest Margin | 4.11% | 3.93% | +0.18% | 59th above |
| Efficiency Ratio | 60.05% | 61.14% | -1.09% | 54th above |
| PPNR / Avg Assets | 1.77% | 1.68% | +0.09% | 61st above |
| Yield on Earning Assets | 5.43% | 5.67% | -0.24% | 41st below |
| Cost of Funds | 1.44% | 1.88% | -0.44% | 73rd above |
| Net Interest Spread | 3.58% | 3.32% | +0.26% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.51% | 0.94% | -0.43% | 45th below |
| NPA / Total Assets | 0.29% | 0.70% | -0.41% | 52nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.16% | -0.05% | 18th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 58th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 250.54% | 1539.31% | -1288.77% | 55th above |
| Texas Ratio | 2.52% | 7.33% | -4.81% | 58th above |
| Provision / NCO | 8.17% | 1396.45% | -1388.28% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.06% | 19.50% | +0.56% | 77th top |
| Tier 1 Ratio | 20.06% | 19.54% | +0.52% | 77th top |
| Total Capital Ratio | 21.16% | 20.62% | +0.54% | 77th top |
| Leverage Ratio | 12.53% | 12.14% | +0.39% | 70th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.97% | 11.37% | -0.40% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.89% | 11.09% | -0.20% | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.19% | 80.64% | -17.45% | 79th top |
| Core Deposit Ratio | 92.89% | 86.86% | +6.03% | 73rd above |
| Wholesale Funding Ratio | 2.13% | 5.04% | -2.91% | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.98% | 6.85% | -1.87% | 54th above |
| Loan Growth (Y/Y) | 0.06% | 7.91% | -7.85% | 23rd bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.26% | 6.29% | -0.03% | 66th above |
See Lake-Osceola State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lake-Osceola State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Lake-Osceola State Bank profile, how to read a UBPR, or how this data updates.