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Lake-Osceola State Bank


Overview / Commentary
www.losb.com
231-745-4601
790 North Michigan Avenue
Baldwin, MI 49304

Lake-Osceola State Bank is headquartered in Baldwin and is the 46th largest bank in the state of Michigan. It is also the 2,280th largest bank in the nation. It was established in 1908 and as of December of 2019, it had grown to 66 employees at 10 locations. Lake-Osceola State Bank has a B+ health rating.

Reviews (1)

Online Banking

Posted by: |

Deposit a check in ATM on Friday you won't get your money till Tuesday maybe. They don't check ATMs until Monday at day's end. That's just lazy. Bill pay works if its electronic, but if they send a paper check, you are better off paying it yourself. Super slow.

1


Health
B+

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #8172
Year Established1908
Employees66
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.13%
Return on Equity - YTD12.12%
Annual Interest Income$12.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$287.5MM$265.3MM
LoansQ4 2019vs Q4 2018$215.6MM$209.7MM
DepositsQ4 2019vs Q4 2018$230.5MM$215.4MM
Equity CapitalQ4 2019vs Q4 2018$26.2MM$24.0MM
Loan Loss AllowanceQ4 2019vs Q4 2018$2.4MM$2.5MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$1.5MM$2.3MM
Real Estate OwnedQ4 2019vs Q4 2018$1.3MM$825.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Lake-Osceola State Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Lake-Osceola State Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--Christmas Club
0.05%--Savings Account

Lake-Osceola State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$250k*-Money Market
OTHER TIERS: 0.10% → Up to $50k | 0.15% → $50k - $250k

Lake-Osceola State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1k-Interest Checking

Lake-Osceola State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%$500-60 Month CD
0.90%$500-48 Month CD
0.85%$500-36 Month CD
0.75%$500-30 Month CD
0.75%$2k-25 Month CD Special w/Relationship
0.70%$500-24 Month CD
0.40%$500-18 Month CD
0.40%$50-12 Month TDOA
0.40%$2k-15 Month CD Special
0.40%$500-12 Month CD
0.25%$500-6 Month CD
0.25%$5k-90 Day CD
Locations


Cities: Baldwin, Big Rapids, Irons, Leroy, Luther, Reed City, Tustin, Walkerville, Wellston

Baldwin Branches
Lake-Osceola State Bank790 North Michigan AvenueBaldwin, MI 49304

Big Rapids Branches
Big Rapids Branch102 North Michigan AvenueBig Rapids, MI 49307
Perry Avenue Big Rapids Branch226 Perry AvenueBig Rapids, MI 49307

Irons Branches
Irons Branch10464 North Brooks RoadIrons, MI 49644

Leroy Branches
Leroy Branch120 Mackinaw TrailLeroy, MI 49655

Luther Branches
Luther Branch203 State StreetLuther, MI 49656

Reed City Branches
Reed City Branch217 South Chesnut StreetReed City, MI 49677

Tustin Branches
Tustin Branch109 East Church StreetTustin, MI 49688

Walkerville Branches
Walkerville Branch133 E. Main St.Walkerville, MI 49459

Wellston Branches
Wellston Branch17222 Caberfae HighwayWellston, MI 49689

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