LAKE-OSCEOLA STATE BANK
BALDWIN, MICHIGAN · FDIC Cert #8172
Capital & Safety Analysis
According to FDIC financial data, LAKE-OSCEOLA STATE BANK holds a Tier 1 capital ratio of 15.82%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning LAKE-OSCEOLA STATE BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
LAKE-OSCEOLA STATE BANK shows strong financial health indicators. With $443M in assets and a Health Score of 97/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
LAKE-OSCEOLA STATE BANK has a Bank Health Score of A (97/100). It holds a Tier 1 capital ratio of 15.82%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
LAKE-OSCEOLA STATE BANK holds $443M in total assets and $379M in total deposits. It is located in BALDWIN, MICHIGAN (FDIC Certificate #8172).
LAKE-OSCEOLA STATE BANK has a Tier 1 capital ratio of 15.82%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.24%, and the return on assets is 1.72%.
Yes. LAKE-OSCEOLA STATE BANK is FDIC-insured (Certificate #8172). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.