Lake-Osceola State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 9.80 percentage points higher than in Q1 2026, at 250.54%. Lake-Osceola State Bank ranks 28th of 72 Michigan banks on return on assets, in the upper half at 1.42% (Q2 2026). Lake-Osceola State Bank reported 1.42% on return on assets for Q2 2026, 0.16 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.06% |
| Tier 1 risk-based capital ratio | 20.06% |
| Total risk-based capital ratio | 21.16% |
| Tier 1 leverage ratio | 12.53% |
| Equity capital to assets | 10.97% |
| Tangible equity to tangible assets | 10.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.51% |
| Non-performing assets ratio | 0.29% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 2.52% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 250.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.42% |
| Return on equity | 13.21% |
| Net interest margin | 4.11% |
| Efficiency ratio | 60.05% |
| Yield on earning assets | 5.43% |
| Cost of funds | 1.44% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.19% |
| Core deposits to total deposits | 92.89% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.93% |
| Securities to assets | 26.76% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.30% | 15.30% | 16.51% | 11.05% | 1.04% |
| Q4 2023 | 15.37% | 15.37% | 16.58% | 11.13% | 0.72% |
| Q1 2024 | 15.76% | 15.76% | 16.96% | 11.33% | 1.34% |
| Q2 2024 | 15.82% | 15.82% | 17.00% | 11.56% | 1.45% |
| Q3 2024 | 15.40% | 15.40% | 16.65% | 10.24% | -0.86% |
| Q4 2024 | 16.00% | 16.00% | 17.25% | 11.18% | 1.11% |
| Q1 2025 | 16.62% | 16.62% | 17.87% | 11.58% | 1.30% |
| Q2 2025 | 17.91% | 17.91% | 19.07% | 12.06% | 2.32% |
| Q3 2025 | 18.70% | 18.70% | 19.86% | 12.06% | 1.59% |
| Q4 2025 | 18.54% | 18.54% | 19.68% | 12.22% | 0.91% |
| Q1 2026 | 19.19% | 19.19% | 20.28% | 12.27% | 1.76% |
| Q2 2026 | 20.06% | 20.06% | 21.16% | 12.53% | 1.42% |
Lake-Osceola State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake-Osceola State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)