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.
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 ReportsAggregated 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.