Lake-Osceola State Bank
Baldwin, Michigan · FDIC Cert #8172
Lake-Osceola State Bank is an FDIC-insured bank (Certificate #8172) with $443M in total assets and $379M in total deposits as of the Q2 2024 Call Report. Headquartered in Baldwin, Michigan, the bank maintains a Tier 1 capital ratio of 15.82% (Well-Capitalized) and a nonperforming loan ratio of 0.24%. BankHealthData assigns a composite Health Grade of A (97/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Lake-Osceola State Bank (FDIC cert 8172) is a community bank — $443M in total assets, $379M in deposits, serving the Baldwin, Michigan area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 15.82% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.24% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 31.5% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 1.72% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Lake-Osceola State Bank carries a composite BankHealth grade of A (97/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Lake-Osceola State Bank
- Total Assets
- $443M
- Total Deposits
- $379M
- Tier 1 Capital Ratio
- 15.82%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.24%
- Liquidity Ratio
- 31.45%
- Return on Assets
- 1.72%
- Headquarters
- Baldwin, Michigan
- FDIC Certificate
- #8172
- Health Grade
- A (97/100)
- Latest Call Report
- Q2 2024
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.
How Lake-Osceola State Bank Compares
Lake-Osceola State Bank’s Health Score of 97 is 24 points above the Michigan state average of 73 across 69 FDIC-insured banks. Its 15.82% Tier 1 capital ratio is 1.8 points above the US banking industry average near 14%. The 0.24% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.72% is in line with or above the national ROA benchmark of ~1.1%. Among 1503 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Lake-Osceola State Bank is 27 points above the portfolio average of 70.
Frequently Asked Questions
Lake-Osceola State Bank has a Bank Health Score of A (97/100), placing it one of the safest banks in our analysis. 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.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Lake-Osceola State Bank's Tier 1 capital ratio of 15.82% and nonperforming loan ratio of 0.24% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Lake-Osceola State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #8172). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Lake-Osceola State Bank holds $443M in total assets and $379M in total deposits. It is headquartered in Baldwin, Michigan (FDIC Certificate #8172).
Lake-Osceola State Bank has a Tier 1 capital ratio of 15.82%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's 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 — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Lake-Osceola State Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.