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1930–1956 · the charter and FDIC records; Howard (1907) for the building-and-loan layer
Between the liquidation and the next charter, Lakeville had no bank for twenty-six years — 21 February 1930 to 2 April 1956, the middle of the town's three bankless intervals (settlement to 1917 before it; 2011/12 to the present after it). The count of the whole record, stated once and exactly: exactly two banks have ever been headquartered in Lakeville — charter No. 516 (1917–1930) and FDIC Certificate 17571 (1956–1982) — followed by one continuous branch office at 222 S. Michigan from 1982 to 2011/12. At Lakeville's size the town never supported two banks at once, never had a national bank, and never had a separately chartered savings bank or trust company. The savings layer was tested separately and stands negative at the strength reached: no building-and-loan association seated in Lakeville was found in any carrier reached — Howard treats the county's building-and-loan associations under South Bend, and the department report tables reached list Lakeville only for its state bank (settler for a stronger negative: the department's building-and-loan annual-report tables by town, 1890s–1930s). The charter record governs the interval: organized 1917, dead 1930, nothing chartered at Lakeville again until 1956.