Lake-Osceola State Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Cost of borrowings: 1.13 percentage points higher than in Q1 2026, at 4.80%. Within Michigan, Lake-Osceola State Bank is 35th of 72 on net interest margin, 4.11% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Lake-Osceola State Bank sits 0.16 points higher, at 4.11% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.43% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.44% |
| Cost of interest-bearing deposits | 1.73% |
| Cost of interest-bearing liabilities | 1.85% |
| Cost of borrowings | 4.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.11% |
| Yield to cost spread | 3.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.2M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.3M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 5.05% | 1.26% | 3.89% |
| Q4 2023 | 5.26% | 1.47% | 3.90% |
| Q1 2024 | 5.21% | 1.56% | 3.78% |
| Q2 2024 | 5.45% | 1.70% | 3.96% |
| Q3 2024 | 5.58% | 1.59% | 4.12% |
| Q4 2024 | 5.37% | 1.79% | 3.77% |
| Q1 2025 | 5.26% | 1.61% | 3.80% |
| Q2 2025 | 5.35% | 1.56% | 3.94% |
| Q3 2025 | 5.47% | 1.50% | 4.12% |
| Q4 2025 | 5.30% | 1.51% | 3.97% |
| Q1 2026 | 5.23% | 1.44% | 3.90% |
| Q2 2026 | 5.43% | 1.44% | 4.11% |
Lake-Osceola State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake-Osceola State Bank, freeSource: Call Report Schedules RI and RC-K, 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)