| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.4% | +0.6 pts |
| Deposit growth (YoY) | +6.3% | +4.0% | +2.3 pts |
| Loan growth (YoY) | +0.1% | +5.6% | -5.4 pts |
| ROA | 1.60% | 1.24% | +0.4 pts |
| ROE | 15.1% | 11.9% | +3.2 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $469.4M | $403.4M | $251.7M | $51.5M | $3.8M | 1.60% | 4.14% | 0.14% |
| Q1 2026 | $481.4M | $409.9M | $254.2M | $50.1M | $2.1M | 1.77% | 4.02% | 0.15% |
| Q4 2025 | $465.7M | $393.6M | $254.6M | $48.8M | $6.9M | 1.52% | 4.22% | 0.13% |
| Q3 2025 | $453.3M | $381.9M | $250.7M | $47.5M | $5.9M | 1.73% | 4.22% | 0.13% |
| Q2 2025 | $447.2M | $379.6M | $251.3M | $43.8M | $4.0M | 1.79% | 4.11% | 0.18% |
| Q1 2025 | $451.2M | $388.4M | $258.3M | $39.9M | $1.5M | 1.29% | 4.04% | 0.12% |
| Q4 2024 | $456.8M | $392.4M | $261.8M | $37.6M | $3.3M | 0.74% | 4.33% | 0.18% |
| Q3 2024 | $449.9M | $383.6M | $268.7M | $39.6M | $2.1M | 0.62% | 4.43% | 0.17% |
Loan mix (Q2 2026): real estate $179.3M · commercial $17.2M · consumer $56.3M · securities $125.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Lake-Osceola State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.24% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 11.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 62.9% | 34th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Lake-Osceola State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Lake-Osceola State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Lake-Osceola State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Lake-Osceola State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Lake-Osceola State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
12 branches in 6 counties across 1 state (+1 vs 2024) · $379.6M branch deposits. Biggest market: Lake, MI, ranked 1st with 100.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lake, MI | 3 | $155.4M | 100.00% | 1st |
| Osceola, MI | 4 | $153.0M | 28.46% | 2nd |
| Mecosta, MI | 2 | $27.8M | 3.44% | 8th |
| 3 more counties with Pro → | ||||
Michigan: 100th with 0.11% ·
Branch count: 2022 11 · 2023 11 · 2024 11 · 2025 12