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 Lake-Osceola State Bank
Lake-Osceola State Bank
| RSSD ID 11145 | CERTIFICATE 8172 | ABA NUMBER 72405604 |
| 790 Michigan Ave |
Quarter Ended : |
2025-12-31 |
| Baldwin, Michigan, 49304 |
Updated : |
2026-01-28 |
| www.losb.com |
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| Institution Profile |
| Year Opened : |
1908 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
041 |
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| Specialization : |
All Other Under 1 Billion |
| Number of Offices : |
13 |
Number of Employees : |
80 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 465,668 |
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Total Interest Income | 23,972 |
| Total Liabilities | 416,872 |
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Total NonInterest Income | 1,936 |
| Total Bank Equity Capital | 48,796 |
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Total Interest Expense | 6,264 |
| Total Deposits | 393,575 |
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Total NonInterest Expense | 12,686 |
| Net Loans & Leases | 254,580 |
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Net Income | 6,925 |
| Loan Loss Allowance | 3,433 |
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Net Charge Offs | (2,248) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 59,239 |
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Total loans | 255,496 |
| Total assets for the leverage ratio | 456,791 |
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Loans secured by real estate: | 175,089 |
| Tier 1 Leverage Ratio | 12.22 |
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Commercial and industrial loans | 15,188 |
| Tier 1 Capital Ratio | 18.54 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 19.68 |
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Loans to individuals - Other | 63,138 |
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:· Lake-Osceola State Bank
