BlastPoint's Banking Scorecard

Lake-Osceola State Bank

$100M-$1B Specialty: Other MI FDIC cert 8172

Baldwin, MI

13 branches across MI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 47 in MI.
Deposits +6.3% year over year ($403.4M on the books).
Delinquency rate 0.24%.
Return on assets 1.60%.
Efficiency ratio 57.52% vs a 64.48% peer average.
Loan-to-deposit ratio 62.39% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 47 in MI

View $100M-$1B leaderboard (MI) →

Lake-Osceola State Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.28% above tier average
+ Net Interest Margin 0.15% above tier average
+ Efficiency Ratio 6.96% below tier average
+ Delinquency Rate 0.68% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 64.5% in tier

Get updates when Lake-Osceola State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$469.4M +5.0% YoY -2.5% QoQ	+$82.8M	$386.6M +1.2% YoY	$1.0B +6.5% YoY	$6.3B +7.7% YoY	69%
Total Loans ?	$251.7M +0.1% YoY -1.0% QoQ	-$6.7M	$258.3M +1.7% YoY	$767.2M +9.2% YoY	$3.2B +9.4% YoY	59%
Total Deposits ?	$403.4M +6.3% YoY -1.6% QoQ	+$76.6M	$326.7M +0.7% YoY	$806.0M +5.9% YoY	$4.9B +7.3% YoY	70%
Return on Assets ?	1.60% -10.9% YoY -9.7% QoQ	+0.28%	1.32% +10.8% YoY	1.18% +20.1% YoY	1.30% +12.1% YoY	71%
Net Interest Margin ?	4.14% +0.7% YoY +3.0% QoQ	+0.15%	3.99% +5.0% YoY	4.06% +4.7% YoY	3.95% +4.9% YoY	61%
Efficiency Ratio ?	57.52% -9.6% YoY +5.4% QoQ	-6.96%	64.48% -3.2% YoY	65.90% -5.4% YoY	70.05% +2.5% YoY	65%
Delinquency Rate ?	0.24% -25.3% YoY -6.1% QoQ	-0.68%	0.92% +15.7% YoY	0.85% +32.2% YoY	0.98% +16.3% YoY	62%
Loan-to-Deposit Ratio ?	62.39% -5.8% YoY +0.6% QoQ	-15.56%	77.95% +1.0% YoY	80.02% +3.0% YoY	79.03% +2.3% YoY	80%
Non-Interest-Bearing Deposit Share ?	24.81% +9.6% YoY +15.9% QoQ	+2.78%	22.03% -0.6% YoY	25.55% -0.4% YoY	21.98% -0.6% YoY	65%
Nonperforming Asset Ratio ?	0.14% -20.2% YoY -4.0% QoQ	-0.52%	0.67% +16.4% YoY	0.65% +27.6% YoY	0.69% +15.8% YoY	66%
Tier 1 Capital Ratio ?	20.06% +12.0% YoY +4.5% QoQ	+4.15%	15.91% +1.4% YoY	20.80% -0.9% YoY	17.09% +0.8% YoY	Top 13.5% in tier
Non-Interest Income / Assets ?	0.37% +45.8% YoY +65.2% QoQ	-0.19%	0.57% +7.6% YoY	0.38% +3.3% YoY	0.66% +5.2% YoY	83%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Noninterest-Bearing	24.8% +2.2pp YoY +3.4pp QoQ	+2.7pp	22.1%	25.9%	22.2%	65%
Brokered Deposits	n/a	n/a	7.9%	12.3%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
C&I	6.8% -0.6pp YoY +0.3pp QoQ	-4.7pp	11.6%	12.8%	12.5%	32%
CRE	38.4% +2.9pp YoY -0.3pp QoQ	-1.1pp	39.5%	45.9%	41.4%	50%
1-4 Family	31.6% +1.3pp YoY +0.7pp QoQ	-1.1pp	32.6%	33.6%	31.3%	55%
Consumer	22.4% -4.1pp YoY -0.7pp QoQ	+18.3pp	4.1%	4.6%	5.0%	98%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
CET1 Ratio	20.1% +2.1pp YoY +0.9pp QoQ	+1.2pp	18.8%	26.9%	19.7%	78%
Leverage Ratio	12.5% +0.5pp YoY +0.3pp QoQ	+0.4pp	12.2%	12.3%	12.6%	70%
Total Capital Ratio	21.2% +2.1pp YoY +0.9pp QoQ	+1.2pp	19.9%	27.9%	20.8%	78%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Full-Time Employees	79 -2 (-2.5%) YoY 0 QoQ	+20	58	134	482	76%
Assets per Employee ($)	$5.9M +7.6% YoY -2.5% QoQ	-$1.6M	$7.5M	$6.8M	$8.8M	32%
Branch Count	13 0 YoY 0 QoQ	+8	4	9	18	96%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.2% -0.1pp YoY 0.0pp QoQ	-0.7pp	0.9%	0.8%	1.0%	33%
Allowance Coverage	5.37x +25.3% YoY +7.4% QoQ	-18.79x	24.15x	6.79x	20.23x	72%
Net Charge-off Rate (YTD)	0.2% +1.9pp YoY -0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	82%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
ROE	15.1% -5.0pp YoY -1.9pp QoQ	+2.9pp	12.2%	11.7%	11.6%	68%
Cost of Funds (YTD)	1.4% -0.2pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.5%	1.7%	28%
Net Income ($, YTD)	$3.8M -6.8% YoY — QoQ	+$1.2M	$2.6M	$7.3M	$40.4M	78%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline

#199 of 307 • Bottom 64.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.60%

(Tier: 1.32%, National: 1.30%)

better than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

359

Tier 1 Capital Ratio

capital

Value: 20.06%

Peer Median: 15.91%

#359 of 2643 Top 13.5% in $100M-$1B

463

Non-Interest Income / Assets

revenue_mix

Value: 0.37%

Peer Median: 0.57%

#463 of 2643 Top 17.5% in $100M-$1B

534

Loan-to-Deposit Ratio

liquidity

Value: 62.39%

Peer Median: 77.95%

#534 of 2643 Top 20.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available