This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Cheboygan, MI
Health score
67.5
Total assets
$471.0M
Bank
Baldwin, MI
Health score
89.1
Total assets
$469.4M
Answer first
Lake-Osceola State Bank leads on financial health and capitalization and profitability and lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Lake-Osceola State Bank
Higher TFS health score
Capitalization
Lake-Osceola State Bank
Higher comparable capital ratio
Profitability
Lake-Osceola State Bank
Higher return on assets
Lending quality
Lake-Osceola State Bank
Lower problem-loan measure
Growth
Lake-Osceola State Bank
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Citizens National Bank of Cheboygan | Lake-Osceola State Bank |
|---|---|---|
| TFS health score | 67.5/100 | 89.1/100Leads |
| Total assets | $471.0M | $469.4M |
| Total deposits / shares | $435.8M | $403.4M |
| Tier 1 capital ratio | 8.49% | 12.53%Leads |
| Return on assets | 0.73% | 1.60%Leads |
| Return on equity | 16.39%Leads |
Citizens National Bank of Cheboygan
10 branches
Lake-Osceola State Bank
13 branches
Both institutions report branches in 1 state: MI.
Citizens National Bank of Cheboygan
Unavailable
Lake-Osceola State Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Citizens National Bank of Cheboygan
0 in TFS registry
Lake-Osceola State Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Citizens National Bank of Cheboygan score | Citizens National Bank of Cheboygan ROA | Lake-Osceola State Bank score | Lake-Osceola State Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.62% | — | 0.62% |
| 2024-Q4 | — | 0.66% | — | 0.74% |
| 2025-Q1 | — | 0.64% | — | 1.29% |
| 2025-Q2 | — | 0.67% | — | 1.79% |
| 2025-Q3 | — | 0.78% | — | 1.73% |
| 2025-Q4 | — | 0.82% | — | 1.52% |
| 2026-Q1 | 66.6/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 15.05% |
| Non-performing loans | 1.47% | 0.24%Leads |
| Net charge-offs | 0.00%Leads | 0.16% |
| Efficiency ratio | 78.63% | 57.52%Leads |
| Loan-to-deposit ratio | 60.75% | 62.39% |
| Asset growth (YoY) | 0.38% | 4.98%Leads |
| Deposit / share growth (YoY) | -1.29% | 6.26%Leads |
| Branches | 10 | 13 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 0.73% |
| 88.8/100 |
| 1.77% |
| 2026-Q2 | 67.5/100 | 0.73% | 89.1/100 | 1.60% |