Lake-Osceola State Bank
Baldwin, MI · Cert 8172 · Peer group: banks under $1B in assets (n=581-629) · Lake Financial Corp.
State charter, non-member · FDIC · 12 branches
Q2 2026
$469.4MAssets
$254.9MLoans
$403.4MDeposits
$51.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 81% of banks under $1B in assets (rank 118 of 629).
- Widest gap: net charge-offs / loans trails 80% of banks under $1B in assets (rank 465 of 581).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.61%
Rank 129 of 629
Net Interest Margin
3.82%
Rank 220 of 629
Efficiency Ratio
57.52%
Rank 149 of 629
Equity / Assets
10.97%
Rank 290 of 629
Non-interest income vs. expense
Unfavorable gap of $8.9M · efficiency ratio beats 76% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.61% | 0.60% | 1.01% | 1.45% | Beats 79% | 129 / 629 | |
| Return on Equity | 14.65% | 5.38% | 9.30% | 13.28% | Beats 81% | 118 / 629 | |
| Net Interest Margin | 3.82% | 3.03% | 3.54% | 4.05% | Beats 65% | 220 / 629 | |
| Efficiency Ratio | 57.52% | 58.35% | 67.79% | 79.08% | Beats 76% | 149 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.09% | 0.46% | 1.20% | Beats 62% | 223 / 581 | |
| Net Charge-Offs / Loans | 0.09% | n/a | 0.01% | 0.06% | Beats 20% | 465 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 20.06% | 11.24% | 13.84% | 18.77% | Beats 78% | 137 / 629 | |
| Total Risk-Based Capital Ratio | 21.16% | 11.58% | 14.43% | 19.66% | Beats 79% | 135 / 629 | |
| Equity / Assets | 10.97% | 9.09% | 10.65% | 13.80% | Beats 54% | 290 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 63.19% | 67.24% | 80.90% | 93.48% | 21st pctl | 468 / 594 | |
| Loans / Assets | 54.30% | 53.31% | 67.71% | 78.15% | 26th pctl | 465 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |