# LAKE-OSCEOLA STATE BANK
BALDWIN, MI · FDIC certificate 8172 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $469.4M | |
| Deposits | $403.4M | |
| Loans and leases | $254.9M | |
| Total equity | $51.5M | |
| Loans / deposits | 62.39% (p15 of band) | 82.04% |
| Liquid assets / assets | 40.89% (p84 of band) | |
| Uninsured deposits / deposits | 24.77% (p45 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.13% (p42 of band) | |
| FHLB advances / assets | 2.13% | |
| Tier 1 leverage | 12.53% (p74 of band) | 10.81% |
| Unrealized securities loss / equity | -20.30% (p22 of band) | -8.10% |
| AOCI / equity | -0.55% (p39 of band) | |
| ROA (annualized) | 1.60% (p70 of band) | 1.28% |
| Net interest margin | 4.14% (p63 of band) | 3.91% |
| Efficiency ratio | 57.52% (p39 of band) | |
| Noncurrent loans | 0.24% (p36 of band) | 0.43% |
| Net charge-offs (annualized) | 0.09% (p83 of band) | |
| Reserve coverage of noncurrent | 536.75% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 26.97% (p33 of band) | |
| Auto loans | $6.6M (2.58% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 79 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | capital falling, charge-offs p90 |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | charge-offs p90 |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | charge-offs p90 |  |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 1 | capital falling | reserve under noncurrent |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 0 |  | capital falling, charge-offs p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 3 | loans exceed deposits, deposits shrinking, uninsured deposits leaving |  |
| 2019-09 | 0 |  | loans exceed deposits, deposits shrinking, uninsured deposits leaving |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 1 |  | uninsured deposits leaving |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-09 | 2 | charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | charge-offs p90 |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-23 [Suspect jailed after reported armed robbery at Lake Osceola State Bank in Tustin - WPBN](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOdk5NUk1jcFg5a3FJbndZZlJ5WElGWUFiWDlQX1BtaXlxZHllUlBkVlpBUVpRZXplQzdGLUdVdWh6MUlYTWRycEhmX05oODZULUdqNmZpaG9ia1BETk5JWVhnWkdRcGFoNzRVTGJ3SGN0dlBXZUhaVlprcnpRRFZfQzA3NTRfaUJkOTZMT0VpNjB0WW5wUWVOalpCLVRlYUpDanhLaGg3MXFOTTZOZnVWLU1yOG16UnM4NFFNa1ZuMzE1UnNhU2NyS1h2TVVCcngzc1JjaA?oc=5) · WPBN
- 2026-06-23 [BREAKING: Suspect in custody after armed robbery at Tustin bank - Big Rapids Daily News](https://news.google.com/rss/articles/CBMiYEFVX3lxTE51SHJMaHNZS1BsN2l4bUY0cDJDWHJna3luaXZTbTk5eVlFTHhFRExpWE9ZcG9wU2FLbFJCQnZ2NC1FQVpFN0tRWC1sTHFyNHpuV282VzE0S2EzRlhsTGxOaw?oc=5) · Big Rapids Daily News
- 2026-06-24 [Suspect caught within hours of Tustin bank heist thanks to quick response - 9and10News.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNRC1GRURuRHlwcnlLcS1IWkI1VjR1TjR6YkVFdmNUZ3UwcnVta0NBOUJSbUFYdXRGbzdKNjZPYkJndXI5UlhSZ2xlLTBmNkRkMUdzQkZyUXp6SHVkTjdGZElQNm90dzRycU5aY01pZ3ZuZlJLU3ZCb3RkUm81UnpVNFJhSzFyc1ljS3pJLVl2QWVHemZtb0JYZlA5TGJEb0kzdTBMc3g1ZV82WDFCcGJvUjVB?oc=5) · 9and10News.com
- 2026-06-25 [Suspect identified, charged in attempted Tustin bank robbery - WPBN](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOalY2NHBsREFKeDRUOFBIbEtFTUR5NkRiMWZhZ2R0V1BEeFpGdVhVT1ZwNE4xVVptT1pSVnRHM3FmYmF4d1g0aFVCc3dTVDdlMnF0aHlrQ2dtcFNScjFFOFRTeXdJNTJucmd4OXlMYWNSb2ExS3VTR3p2dTNPbVU3WFBqdkg0SVZqVHhhYnc0OTUxZHNoT2VmbGdBdGRDNmU2b2RBdGxEaUJRUTdmN2xDWHlpZWp6b0hRYWw2UGY1Wi05YWtHbGY3Yl9NWG12ZVRzNkoyVlBjUWVKbFF3NUl0Tnhn?oc=5) · WPBN
- 2025-12-06 [Kristine Fuller Obituary | Daggett-Gilbert Funeral Home | Big Rapids, MI - Tribute Archive](https://news.google.com/rss/articles/CBMidEFVX3lxTE9qdGtjNUd6cW9TRW4xUGNBZmx3bEItbmRfeHUxSXFSQjRBc0JVekN2YTRRRXA0UnVKMWUwOVNaenNkLXhKRGR2T2tpNGtBNnpTSlAxdTRZc0xpNzR6Q1VXSFVHSS1Tc04tcnhCVGY4MjI4a0do?oc=5) · Tribute Archive
- 2026-07-17 [Luther man charged in 2022 bank robbery following mistrial - WPBN](https://news.google.com/rss/articles/CBMimAFBVV95cUxOUGhJYlFaVTFmQ0phNE1ycEhJTl9yMV8zMWtJaVRmbUdhaVRCdXAxakw2RlZVV1hRS2Q3aXJETXZYODV3NTk2cUdROEZHY3dTTDRVVzluYkJIZXlPSzJ4aV9BeWFUNGQ2WF9FV1RLSnBJNDRjeDlDZnY4T0x2Z3g5WEYwbTlFTFgxcldUUWY5MmJ4VlRwZmMwYg?oc=5) · WPBN
- 2022-09-22 [Police looking for two suspects after robbery of Lake-Osceola State Bank in Luther - Cadillac News](https://news.google.com/rss/articles/CBMi-gFBVV95cUxPckpMb1htVnVMNXJNYS1fNWE0V1E1T0lPN2V2U2JRSi1ySVluS1l2NFN5VTVOXzdSb29uUG9rdlZhUGNlUzdfeTJzNk15bDVmZWxTbHYtU3d2aWpjOTRpc3hOWnBkTExVZF9PNjNUQUNMaEJzTExsTVZyOTlteXhsNTRaZFg1OE5saFZKamw0VVUtT19fYk80d3FVTmtPNDNENElfeUEtR0p3VkpiZmdMa0tFaFhaN3dOb1NLb0tTanR1RkMtVTBCOTJ1bFYtRXpaMnI4dVVFcEFMSnZWRjRpTjdmUWY1aVEtZUg0anp5TE1lZXNjNDllR1Z3?oc=5) · Cadillac News
- 2016-04-14 [LOSB CEO named Michigan Banker of the Year - Big Rapids Pioneer](https://news.google.com/rss/articles/CBMipwFBVV95cUxNcThORk9pc0dyM202ZXBKaHVPb29HSmYwS0lNTjRad1NEZ08xQXhHeDRxN0pHdUp6WWdCY2V1Z3VyUHZrUkRWMjZHREQxbXZVSm9tTG96N0VYX0pOOVF4RlVfRmo1M3dmSDBrejBDTEhsLVFmT2pRTENabVN5bUFoR2pxM1NhcmNaUHU3V2JVVU4xUWRidFI3V0ZWVW8zWmJUR1RnNy1WUQ?oc=5) · Big Rapids Pioneer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8172 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/44.json (key "8172", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide