Lake-Osceola State Bank

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.71%	5-year CD	60 Month CD 2.35% - Synchrony Bank 60 Month CD
0.60%	1-year CD	12 Month TDOA 1.40% - Synchrony Bank 12 Month CD
0.10%	Savings	Savings Account 1.20% - Goldman Sachs Bank USA Online Savings

View all Lake-Osceola State Bank rates »

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 51^st largest bank in the state of Michigan. It is also the 2,582^nd largest bank in the nation. It was established in 1908 and as of March of 2017, it had grown to 60 employees at 9 locations. Lake-Osceola State Bank has a B+ health rating.

Reviews (1)

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Posted by: matthewt | May 22, 2017

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.

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Health

B+

Data as of Q1 2017

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Health Grade Components

Overall
FDIC Certificate #	8172
Year Established	1908
Employees	60
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.94%
Return on Equity - YTD	10.74%
Annual Interest Income	$2.5MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$244.8MM$219.3MM
Loans	Q1 2017vs Q1 2016	$190.6MM$166.3MM
Deposits	Q1 2017vs Q1 2016	$204.6MM$184.7MM
Equity Capital	Q1 2017vs Q1 2016	$21.2MM$20.1MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$2.0MM$1.9MM
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$1.5MM$1.2MM
Real Estate Owned	Q1 2017vs Q1 2016	$507.00K$368.00K

Rates

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

Lake-Osceola State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	-	-	Christmas Club
0.10%	-	-	Savings Account

Lake-Osceola State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$50k^*	-	Money Market
OTHER TIERS: 0.10% → Up to $25k \| 0.15% → $25k - $50k

Lake-Osceola State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	-	-	Municipals
0.05%	$1k	-	Interest Checking

Lake-Osceola State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.71%^*	$10k^*	-	60 Month CD
OTHER TIERS: 1.46% → $500 - $10k
1.41%^*	$10k^*	-	48 Month CD
OTHER TIERS: 1.16% → $500 - $10k
1.11%^*	$10k^*	-	36 Month CD
OTHER TIERS: 0.95% → $500 - $10k
0.85%^*	$10k^*	-	24 Month CD
OTHER TIERS: 0.70% → $500 - $10k
0.85%^*	$10k^*	-	30 Month CD
OTHER TIERS: 0.70% → $500 - $10k
0.60%^*	$10k^*	-	11 - 12 Month CD
OTHER TIERS: 0.55% → $500 - $10k
0.60%^*	$10k^*	-	18 Month CD
OTHER TIERS: 0.55% → $500 - $10k
0.60%^*	$10k^*	-	12 Month TDOA
OTHER TIERS: 0.55% → $50 - $10k
0.50%	$2k	-	15 Month CD Special
0.40%	$500	-	6 Month CD
0.20%	$5k	-	90 Day CD

Locations

Lake-Osceola State Bank Locations
Big Rapids Branch	102 North Michigan Avenue	Big Rapids, MI 49307
Irons Branch	10464 North Brooks Road	Irons, MI 49644
Tustin Branch	109 East Church Street	Tustin, MI 49688
Wellston Branch	17222 Caberfae Highway	Wellston, MI 49689
Luther Branch	203 State Street	Luther, MI 49656
Reed City Branch	217 South Chesnut Street	Reed City, MI 49677
Perry Avenue Big Rapids Branch	226 Perry Avenue	Big Rapids, MI 49307
Lake-Osceola State Bank	790 North Michigan Avenue	Baldwin, MI 49304
Walkerville Branch	133 E. Main St.	Walkerville, MI 49459