FDIC Cert #8172 · Baldwin, Michigan · Est. 1908

Lake-Osceola State Bank - FDIC Bank Health Profile

A community-scale look at Lake-Osceola State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$466M
Total assets
A
Health grade · Excellent
1.52%
Return on assets
18.5%
Tier 1 capital

Data updated July 2026

The verdict

Lake-Osceola State Bank earns a PlainBankData health grade of A (93/100), with well-capitalized at 18.54% Tier 1, profitable at 1.52% ROA, 65% efficiency ratio.

#1,893
largest of 4,313 FDIC banks by assets
56th
percentile by asset size, nationally
18.54%
Tier 1 ratio - above the 10% well-capitalized line
75th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 8172 · MI A · 93/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (93/100)
  • UPPER-Q #464/4307
  • PHOTO-FINISH New Century Bank · KS
  • TIER1-WELL 18.5% Tier 1
  • TEXAS-CLEAN 1.0% Texas
  • ROA-STRONG 1.52% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Michigan: New Century Bank, KS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Lake-Osceola State Bank

Lowest and highest poles plus nearest scored peers outside Michigan, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First National Bank… · TX · …93/100Lake-Osceola State B… · MI ·…93/100New Century Bank · KS · near93/100PrinsBank · MN · near93/100The Citizens Bank · KY · near93/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Lake-Osceola State Bank · July 2026

Call Report read for Lake-Osceola State Bank in a high-failure state

Lake-Osceola State Bank (FDIC Cert #8172) carries a PlainBankData health grade of A at 93/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #464 of 4,307. Tier 1 capital prints at 18.54%, clearing the 10% well-capitalized line. The Texas Ratio is 1.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.52%. Balance-sheet scale is $466M, 1,893rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is New Century Bank (KS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Lake-Osceola State Bank

14 FAILURE resolutions in Michigan since 2000, heavy vs the state corpus

Lake-Osceola State Bank sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Lake-Osceola State Bank's current Call Report.

  • FIDELITY BANK DEARBORN, MI 2012 → THE HUNTINGTON NATIONAL BANK
  • COMMUNITY CENTRAL BANK MOUNT CLEMENS, MI 2011 → TALMER BANK AND TRUST
  • PEOPLES STATE BANK HAMTRAMCK, MI 2011 → FIRST MICHIGAN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Michigan banks.

How Lake-Osceola State Bank's 93/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10093/100
Lake-Osceola State Bank's composite health score
Tier 1 Capital Ratio (18.54%) 40/40
Return on Assets (ROA) (1.52%) 25/25
Texas Ratio (1.00%) 20/20
Efficiency Ratio (64.58%) 8/15

93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$466M

Total balance-sheet footings

Total Deposits

$394M

Customer-funded liabilities

Net Loans

$255M

Outstanding loan book

Net Income

$7M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.14% 18.54% 19.94%
Basel III capital ratios - Lake-Osceola State Bank

Where Lake-Osceola State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Lake-Osceola State Bank's score of 93/100 falls in the highlighted band.

Lake-Osceola State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

93 Top 11% higher than 89% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Lake-Osceola State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Lake-Osceola State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Lake-Osceola State Bank's $466M falls in the highlighted band.

Capital & credit buffers at Lake-Osceola State Bank

Tier 1 capital ratio
Well-capitalized 10%

18.54% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.54%
Texas Ratio
1.00%
Equity Capital
$49M

What these ratios mean →

Earnings posture at Lake-Osceola State Bank

Return on Assets (ROA)
75th percentile nationally
1.52%
Return on Equity (ROE)
15.90%
Efficiency Ratio
64.58%

What these mean →

Income & expense at Lake-Osceola State Bank

$24M
Interest Income
$2M
Non-Interest Income
$13M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Lake-Osceola State Bank reports a Texas Ratio of 1.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Lake-Osceola State Bank on FDIC BankFind →

Top banks in Michigan by total assets

Largest banks headquartered in Michigan
  1. 1
    Northpointe Bank $7.0B

    Grand Rapids, MI · Grade B

  2. 2
    First National Bank of America $6.7B

    East Lansing, MI · Grade A

  3. 3
    Mercantile Bank $6.2B

    Grand Rapids, MI · Grade A

  4. 4
    Independent Bank $5.5B

    Grand Rapids, MI · Grade B

  5. 5
    ChoiceOne Bank $4.4B

    Sparta, MI · Grade B

Top 5 banks in Michigan ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($466M here), outside Michigan so the neighborhood is not state containment.

Northwestern Mutual Wealth Management $465M · WI The First National Bank of Russell Sp… $465M · KY Star Bank $465M · MN Wallkill Valley Federal Savings and L… $465M · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Lake-Osceola State Bank (FDIC Cert #8172) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Lake-Osceola State Bank Call Report profile · FDIC Failed Bank List · Michigan FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Michigan

All Michigan banks →
BankAssetsGradeROA
Northpointe BankGrand Rapids $7.0B B 1.39%
First National Bank of AmericaEast Lansing $6.7B A 2.94%
Mercantile BankGrand Rapids $6.2B A 1.61%
Independent BankGrand Rapids $5.5B B 1.33%
ChoiceOne BankSparta $4.4B B 0.79%
Macatawa Bank, National AssociationHolland $3.7B A 1.39%
Bank of Ann ArborAnn Arbor $3.3B A 1.72%
Isabella BankMount Pleasant $2.2B B 1.02%