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Lakestone Bank & Trust


Overview / Commentary
www.lakestonebank.com
810-664-2977
83 W. Nepessing St.
Lapeer, MI 48446

Lakestone Bank & Trust is headquartered in Lapeer and is the 18th largest bank in the state of Michigan. It is also the 1,148th largest bank in the nation. It was established in 1902 and as of December of 2019, it had grown to 136 employees at 13 locations. Lakestone Bank & Trust has an A health rating.

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Health
A

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #14913
Year Established1902
Employees136
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.22%
Return on Equity - YTD12.2%
Annual Interest Income$25.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$669.2MM$616.2MM
LoansQ4 2019vs Q4 2018$424.9MM$362.2MM
DepositsQ4 2019vs Q4 2018$576.9MM$542.5MM
Equity CapitalQ4 2019vs Q4 2018$67.1MM$59.9MM
Loan Loss AllowanceQ4 2019vs Q4 2018$1.8MM$1.7MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$1.0MM$1.5MM
Real Estate OwnedQ4 2019vs Q4 2018$754.00K$508.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Lakestone Bank & Trust Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$100-IRA Variable Savings
0.02%$100-Passbook Savings
0.02%$100-EDISS
0.02%$100-IRA Savings
0.01%$25-Health Savings Account

Lakestone Bank & Trust Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.08%*$50k*-Money Market Deposit Account
OTHER TIERS: 0.01% → Up to $2.5k | 0.03% → $2.5k - $20k | 0.05% → $20k - $50k

Lakestone Bank & Trust Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.52%*-$25kGreen Rewards
OTHER TIERS: 0.02% → $25k+
0.10%*$50k*-Choice Account
OTHER TIERS: 0.03% → $3k - $10k | 0.05% → $10k - $50k
0.05%*$5k*-Prestige Accounts
OTHER TIERS: 0.01% → $1k - $2.5k | 0.03% → $2.5k - $5k
0.01%$500-Interest Checking (NOW)

Lakestone Bank & Trust CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.53%$1k-60 Month CD
0.45%$1k-48-59 Month CD
0.37%$1k-36-47 Month CD
0.30%$1k-24-35 Month CD
0.21%$1k-12-23 Month CD
0.10%$1k-6-11 Month CD
0.07%$1k-15-179 Day CD

Lakestone Bank & Trust IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.53%$1k-60 Month CD
0.45%$1k-48-59 Month CD
0.37%$1k-36-47 Month CD
0.30%$1k-24-35 Month CD
0.21%$1k-12-23 Month CD
0.10%$1k-6-11 Month CD
0.07%$1k-15-179 Day CD
Locations

Sorry, but we do not have location data for Lakestone Bank & Trust. Its headquarters is located at 83 W. Nepessing St. - Lapeer, MI 48446

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