Is Lake-Osceola State Bank Safe?
Lake-Osceola State Bank has a Bank Health Score of 97/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (89/100).
This page answers a common banking-safety question: Is Lake-Osceola State Bank Safe?. 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.
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.
Lake-Osceola State Bank has a Bank Health Score of 97/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (89/100).