Lake-Osceola State Bank (FDIC #8172): Bank Stress & Real-Estate Credit Exposure
Lake-Osceola State Bank (FDIC Cert #8172): bank stress 55/100, moderate, STABLE over 7 days; parent LAKE FINANCIAL CORP.
Lake-Osceola State Bank (#8172) lends in 6 counties across 1 state; Lake-Osceola State Bank (#8172) reaches 61 ZIP codes: Michigan 6 counties, 61 ZIPs.
Lake-Osceola State Bank (#8172) largest markets: Mecosta County, MI (34 branches, 17 ZIPs) (#8172), Manistee County, MI (15 branches, 15 ZIPs) (#8172), Oceana County, MI (12 branches, 12 ZIPs) (#8172), Lake County, MI (33 branches, 11 ZIPs) (#8172), Missaukee County, MI (9 branches, 9 ZIPs) (#8172), Osceola County, MI (36 branches, 9 ZIPs) (#8172).
Lake-Osceola State Bank (#8172) reports $469.4 million in total assets; Lake-Osceola State Bank (#8172) equity $51.5 million (11.0% of Lake-Osceola State Bank (#8172) assets); Lake-Osceola State Bank (#8172) domestic deposits $403.4 million; Lake-Osceola State Bank (#8172) net income $3.8 million; Lake-Osceola State Bank (#8172) return on assets 1.60%; Lake-Osceola State Bank (#8172) return on equity 15.05%; Lake-Osceola State Bank (#8172) net interest income $9.0 million; Lake-Osceola State Bank (#8172) call report June 30, 2026.
Lake-Osceola State Bank (#8172) noncurrent real-estate loans: none reported; Lake-Osceola State Bank (#8172) net charge-offs on real estate 0.30%; Lake-Osceola State Bank (#8172) residential charge-offs 0.21%.
Lake-Osceola State Bank (#8172) net interest margin 4.14% against an eight-quarter Lake-Osceola State Bank (#8172) average of 4.19% (Lake-Osceola State Bank (#8172) compression 0.05 points); Lake-Osceola State Bank (#8172) non-residential real estate 20.9% of equity; Lake-Osceola State Bank (#8172) rate-exposure score 40/100, Lake-Osceola State Bank (#8172) fixed-rate trap 40/100; Lake-Osceola State Bank (#8172) risk type credit driven; Lake-Osceola State Bank (#8172) rate regime rates elevated, Lake-Osceola State Bank (#8172) snapshot October 19, 2026.
Lake-Osceola State Bank (#8172) stress score moved from 52.4 on June 22, 2026 to 55.2 on October 19, 2026; Lake-Osceola State Bank (#8172) ranged 52.4 to 55.2 over 116 snapshots.
Lake-Osceola State Bank (#8172) alerts: 6 counties; top Lake-Osceola State Bank (#8172) alert scores: Big Rapids County, MI 21 (low); Falmouth County, MI 21 (low); Luther County, MI 21 (low); Tustin County, MI 21 (low); Walkerville County, MI 21 (low).