Lake-Osceola State Bank

BankBaldwin, Michigan
www.losb.com

Total Assets

$465.7M

Total Deposits

$393.6M

Branches

13

Established

1908

TFS Health Grade

$
C+

78.2 / 100

Average financial health

How we grade

Lake-Osceola State Bank is a bank headquartered in Baldwin, Michigan, established in 1908. With $465.7M in total assets and 13 branch locations, it has a TFS Financial Health Grade of C+ (78.2/100).

Capital & Safety

Tier 1 Capital Ratio
12.22%(8%)
Total Capital Ratio
19.68%(10%)
Non-Performing Loan Ratio
0.20%

Profitability

Return on Assets (ROA)
1.52%(1%)
Return on Equity (ROE)
15.90%(10%)
Net Interest Margin
4.22%
Efficiency Ratio
64.58%(60%)

Lending & Liquidity

Total Loans
$258.0M
Loan-to-Deposit Ratio
64.68%
Net Charge-Off Ratio
-0.87%

Growth

Asset Growth (YoY)
+1.93%
Deposit Growth (YoY)
+0.30%
Net Income
$6.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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