LAKE FINANCIAL CORP is the parent banking group. LAKE-OSCEOLA STATE BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

FHD

LAKE FINANCIAL CORP

Legal name: LAKE FINANCIAL CORPORATION

1 active bank · $481M combined assets

RSSD ID: 4764346 (FFIEC NIC)

Combined Assets

$481M

CRA Rating Summary

Satisfactory1charter

Across all 8 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankLAKE-OSCEOLA STATE BANKBALDWIN, MISatisfactory$481MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$481M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$410M

Net Income

$2M

ROA (avg)

1.77%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
LAKE-OSCEOLA STATE BANK	BALDWIN, MI	FDIC	$481M	100.0%	Satisfactory	Jun 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.