Lakestone Bank & Trust is an FDIC insured institution headquartered at
83 West Nepessing Street, Lapeer, MI 48446.
It was founded in
1902 and has approximately $1 billion in assets. Customers can open an account at one of its 13 branches.
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Overview 2026
General Bank Information
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
Summary Balance Sheet as of September 30, 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 millionn
Total Liabilities
$ 613.85 million
Shareholders’ Equity
$ 55.38 million
Summary Income Statement as of September 30, 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
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