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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 : |
2025-09-30 |
| Baldwin, Michigan, 49304 |
Updated : |
2025-10-28 |
| 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 | 453,341 |
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Total Interest Income | 17,946 |
| Total Liabilities | 405,795 |
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Total NonInterest Income | 1,746 |
| Total Bank Equity Capital | 47,546 |
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Total Interest Expense | 4,742 |
| Total Deposits | 381,911 |
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Total NonInterest Expense | 9,143 |
| Net Loans & Leases | 250,577 |
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Net Income | 5,883 |
| Loan Loss Allowance | 3,450 |
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Net Charge Offs | (2,297) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 58,876 |
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Total loans | 256,018 |
| Total assets for the leverage ratio | 459,657 |
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Loans secured by real estate: | 171,292 |
| Tier 1 Leverage Ratio | 12.06 |
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Commercial and industrial loans | 16,978 |
| Tier 1 Capital Ratio | 18.7 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 19.86 |
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Loans to individuals - Other | 65,816 |
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:· Lake-Osceola State Bank
