Call reports 2026
LAKE-OSCEOLA STATE BANK — 2026
What LAKE-OSCEOLA STATE BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 481,410,000 | 469,413,000 |
| Total loans | 257,466,000 | 254,902,000 |
| Allowance for loan losses | 3,250,000 | 3,242,000 |
| Securities available for sale | 128,486,000 | 125,623,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 409,947,000 | 403,382,000 |
| Interest-bearing deposits | 322,162,000 | 303,308,000 |
| Noninterest-bearing deposits | 87,785,000 | 100,074,000 |
| Equity capital | 50,114,000 | 51,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 5,913,000 | 12,067,000 |
| Interest expense | 1,516,000 | 3,022,000 |
| Net interest income | 4,397,000 | 9,045,000 |
| Noninterest income | 1,086,000 | 1,749,000 |
| Noninterest expense | 2,992,000 | 6,209,000 |
| Provision for loan losses | -46,000 | 17,000 |
| Pretax income | 2,454,000 | 4,539,000 |
| Income tax | 359,000 | 766,000 |
| Net income | 2,095,000 | 3,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 58,278,000 | 59,308,000 |
| Total capital | 61,577,000 | 62,578,000 |
| Risk-weighted assets | 303,643,000 | 295,711,000 |