How Big Is Lake-Osceola State Bank?
Lake-Osceola State Bank holds $443M in total assets and $379M in deposits, making it a community bank by U.S. standards. By total assets it is the 1,716th-largest of the 3,960 FDIC-insured banks we track — in the top 43% by size. Those figures come from Lake-Osceola State Bank's latest FDIC call report (cert #8172); it is a local community institution, with $100 million to $1 billion in assets.
This page answers a common banking-safety question: How Big Is Lake-Osceola State Bank?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Lake-Osceola State Bank Size at a Glance
- Total assets
- $443M
- Total deposits
- $379M
- Domestic deposits
- $379M
- Size class
- community bank
- Rank by assets
- #1,716 of 3,960
- Headquarters
- Baldwin, Michigan
Source: FDIC Call Report data (cert #8172). Figures reflect the latest reported quarter.
With $443M in total assets, Lake-Osceola State Bank is a local community institution, with $100 million to $1 billion in assets. Nationally, that makes it the 1,716th-largest of the 3,960 FDIC-insured banks we track, in the top 43% by size. The bank funds those assets largely with $379M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.82% | 100/100 |
| Nonperforming Loan Ratio | 0.24% | 95/100 |
| Liquidity Ratio | 31.45% | 100/100 |
| Return on Assets | 1.72% | 89/100 |
| Total Assets | $0.4B | |
How does Lake-Osceola State Bank compare?
With a Bank Health Score of 97/100, Lake-Osceola State Bank sits 27.0 points above the national average of 70/100 for FDIC-insured banks. Within Michigan, where 69 FDIC-insured banks are headquartered, Lake-Osceola State Bank ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 15.82% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.24% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Lake-Osceola State Bank's Bank Health Score held roughly steady at 97/100. Tier 1 capital strengthened by 0.52 percentage points to 15.82%. Quarter-over-quarter, the score rose by 1.0 points.
Frequently Asked Questions
Lake-Osceola State Bank holds $443M in total assets and $379M in deposits, making it a community bank by U.S. standards. By total assets it is the 1,716th-largest of the 3,960 FDIC-insured banks we track — in the top 43% by size. Those figures come from Lake-Osceola State Bank's latest FDIC call report (cert #8172); it is a local community institution, with $100 million to $1 billion in assets.
Lake-Osceola State Bank ranks 1,716th by total assets out of the 3,960 FDIC-insured banks BankHealth tracks, placing it in the top 43% by size. Its $443M in assets classify it as a community bank.
Lake-Osceola State Bank reports $443M in total assets and $379M in total deposits ($379M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. Lake-Osceola State Bank earns a Bank Health Score of 97/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $443M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. Lake-Osceola State Bank (FDIC certificate #8172) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Lake-Osceola State Bank
Lake-Osceola State Bank holds $443M in total assets and $379M in deposits, making it a community bank by U.S. standards. By total assets it is the 1,716th-largest of the 3,960 FDIC-insured banks we track — in the top 43% by size. Those figures come from Lake-Osceola State Bank's latest FDIC call report (cert #8172); it is a local community institution, with $100 million to $1 billion in assets.