Bankgraph
FDIC data through Q2 ʼ26
Institutions /

Lake-Osceola State Bank

Baldwin, MI FDIC 8172 FDIC Lake Financial Corp Asset group $300M – $1B 13 offices · 79 employees Filed Q2 2026
Assets
$469.4M
Deposits
$403.4M
ROA
1.60%
ROE
15.05%
NIM
4.14%
Efficiency
57.52%
Tier 1 capital
20.06%
Total capital
21.16%
Noncurrent loans
0.24%
Loans / deposits
62.39%

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