BlastPoint's Banking Scorecard

Lake-Osceola State Bank

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

Baldwin, MI

13 branches across MI

2664 banks in the $100M-$1B peer group nationally 46 in MI

Lake-Osceola State Bank has 5 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

+ Revenue Diversifier: Top 38.9% in tier
+ Profitability Leader: Top 41.4% in tier
+ Net Interest Margin 0.09% above tier average
+ Efficiency Ratio 10.72% below tier average
+ Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 16.4% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$481.4M +6.7% YoY +3.4% QoQ	+$95.3M	$386.1M +0.5% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	70%
Total Loans ?	$254.2M -1.6% YoY -0.1% QoQ	-$1.5M	$255.7M +1.1% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	60%
Total Deposits ?	$409.9M +5.6% YoY +4.2% QoQ	+$82.0M	$328.0M +0.1% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	71%
Return on Assets ?	1.77% +36.9% YoY +16.2% QoQ	+0.50%	1.27% +12.9% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	80%
Net Interest Margin ?	4.02% -0.5% YoY -4.8% QoQ	+0.09%	3.93% +6.0% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	58%
Efficiency Ratio ?	54.57% -15.9% YoY -15.5% QoQ	-10.72%	65.29% -4.5% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	75%
Delinquency Rate ?	0.26% +23.4% YoY +24.2% QoQ	-0.63%	0.89% +18.8% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	60%
Loan-to-Deposit Ratio ?	62.01% -6.7% YoY -4.1% QoQ	-14.63%	76.64% +0.8% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	79%
Non-Interest-Bearing Deposit Share ?	21.41% -2.7% YoY -11.9% QoQ	-0.61%	22.02% -1.0% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	52%
Nonperforming Asset Ratio ?	0.15% +26.5% YoY +17.2% QoQ	-0.49%	0.64% +19.7% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	65%
Tier 1 Capital Ratio ?	19.19% +15.5% YoY +3.5% QoQ	+3.36%	15.83% +1.5% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	85%
Non-Interest Income / Assets ?	0.23% +83.4% YoY -45.7% QoQ	-0.05%	0.28% +9.3% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	Top 10.9% in tier

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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 (2)

Revenue Diversifier

growth

#260 of 666 • Top 38.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.23%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.77%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Profitability Leader

growth

#277 of 666 • Top 41.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.77%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Credit Quality Pressure

risk

#216 of 1308 • Bottom 16.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.26%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

291

Non-Interest Income / Assets

revenue_mix

Value: 0.23%

Peer Median: 0.28%

#291 of 2664 Top 10.9% in $100M-$1B

406

Tier 1 Capital Ratio

capital

Value: 19.19%

Peer Median: 15.83%

#406 of 2664 Top 15.2% in $100M-$1B

530

Return on Assets

profitability

Value: 1.77%

Peer Median: 1.27%

#530 of 2664 Top 19.9% in $100M-$1B

565

Loan-to-Deposit Ratio

liquidity

Value: 62.01%

Peer Median: 76.64%

#565 of 2664 Top 21.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available