Lakestone Bank & Trust
Headquarters
83 West Nepessing Street
Lapeer, MI 48446
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2026 Overview
General Bank Information
Lakestone Bank & Trust is an FDIC insured institution located in Lapeer, MI. It was founded in 1902 and has approximately $0.72 billion in assets. Customers can open an account at one of its 13 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 14913 |
| Date Established | 1902 |
| Assets | $ 669.23 million |
| Loans | $ 400.48 million |
| Deposits | $ 588.56 million |
| Capital | $ 110.62 million |
For a more detailed analysis of Lakestone Bank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - September 30, 2026
Your Current Location: New York, NY 10116
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Loan Rates - September 30, 2026
Your Current Location: New York, NY 10116
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year | 3.54% | 3.29% | $452.45 |
Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Lakestone Bank & Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
New York City,New York
Lakestone Bank & Trust Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 488.36 | A | View Lobby Hours | |
| 490.19 | B | View Lobby Hours | |
| 492.87 | C | View Lobby Hours | |
| 495.02 | D | View Lobby Hours | |
| 498.91 | E | View Lobby Hours | |
| 502.41 | F | View Lobby Hours | |
| 506.02 | G | View Lobby Hours | |
| 511.61 | H | View Lobby Hours | |
| 516.95 | I | View Lobby Hours | |
| 517.21 | J | View Lobby Hours | |
| 518.96 | K | View Lobby Hours | |
| 519.25 | L | View Lobby Hours | |
| 525.56 | M | View Lobby Hours |
Climate Policy and Initiatives
Lakestone Bank & Trust is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Lakestone Bank & Trust Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Lakestone Bank & Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Lakestone Bank & Trust | U.S. Bank Average |
|---|---|
| 1.31% | 5.57% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of December 31, 2025, Lakestone Bank & Trust had $679,000 in non-current loans and $773,000 in owned real estate. To cover these potential losses it had $110,620,000 in equity and $286,000 in loans loss reserves. That gives it a Texas Ratio of 1.31%.
Return on Equity
| Lakestone Bank & Trust | U.S. Bank Average |
|---|---|
| 12.2% | 10.69% |
Lakestone Bank & Trust has a Return on Equity of 12.2% versus the BestCashCow average of 10.69%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Lakestone Bank & Trust | U.S. Bank Average |
|---|---|
| 16.53% | 11.75% |
Lakestone Bank & Trust has a Capitalization of 16.53% versus the BestCashCow average of 11.75. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
Lakestone Bank & Trust Balance Sheet Analysis
As of March 31, 2020, Lakestone Bank & Trust had assets of $724,469,000, loans of $400,478,000, and deposits of $588,558,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
December 31, 2025| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 48.72 million |
| Interest-bearing balances | $ 7.75 million |
| Total securities | $ 195.00 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 400.48 million |
| Loan loss allowance | $ 0.29 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.77 million |
| Goodwill and other intangibles | $ 45.44 million |
| All other assets | $ 25.27 million |
| Total Assets | $ 613.85 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 588.56 million |
| Interest-bearing deposits | $ 463.75 million |
| Deposits held in domestic offices | $ 588.56 million |
| % insured (estimated) | 87.96% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 23.00 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 2.29 million |
| Total Liabilities | $ 613.85 million |
| Shareholders’ Equity | $ 55.38 million |
Summary Income Statement
December 31, 2025| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 6.32 million |
| Total Interest Expense | $ 0.65 million |
| Net interest income | $ 5.67 million |
| Provision for loan and lease losses | $ 0.23 million |
| Total non interest income | $ 1.79 million |
| Total non interest expense | $ 4.28 million |
| Pre-tax Net Operating Income | $ 2.95 million |
Bank Loan Profile?
The top three loan types in Lakestone Bank & Trust’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.
Compared to other banks in Michigan, Lakestone Bank & Trust has a significantly higher percent of Small Business Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 34.50 | ✓ | ||
| Multifamily Mortgages |
1.90 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 2.20 | ✓ | ||
| Small Business Loans | 18.76 | ✓ | ||
| Construction and Development Loans | 6.59 | ✓ | ||
| Commercial Real Estate | 35.09 | ✓ | ||
| Commercial and Industrial Loans | 16.28 | ✓ | ||
| Farm Loans | 0.40 | ✓ | ||
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