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Lake-Osceola State Bank

Popular Accounts at this Bank

1.50%5-year CD60 Month CD
0.50%1-year CD12 Month TODA
1.20%4-year CD48 Month CD

Overview / Commentary
790 North Michigan Avenue
Baldwin, MI 49304

Lake-Osceola State Bank is headquartered in Baldwin and is the 58th largest bank in the state of Michigan. It is also the 2,692nd largest bank in the nation. It was established in 1908 and as of September of 2016, it had grown to 59 employees at 9 locations. Lake-Osceola State Bank has an A health rating.


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Health Grade Components

FDIC Certificate #8172
Year Established1908
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1%
Return on Equity - YTD10.92%
Annual Interest Income$6.9MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$232.2MM$207.9MM
LoansQ3 2016vs Q3 2015$182.6MM$162.7MM
DepositsQ3 2016vs Q3 2015$192.3MM$173.5MM
Equity CapitalQ3 2016vs Q3 2015$20.9MM$19.9MM
Loan Loss AllowanceQ3 2016vs Q3 2015$1.9MM$2.2MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$1.4MM$1.6MM
Real Estate OwnedQ3 2016vs Q3 2015$249.00K$874.00K
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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 Money Market Rates

0.20%*$50k*-Money Market
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $50k

Lake-Osceola State Bank CD Rates

1.50%*$10k*-60 Month CD
OTHER TIERS: 1.25% $500 - $10k
1.20%*$10k*-48 Month CD
OTHER TIERS: 0.95% $500 - $10k
1.00%*$10k*-36 Month CD
OTHER TIERS: 0.85% $500 - $10k
0.75%*$10k*-30 Month CD
OTHER TIERS: 0.60% $500 - $10k
0.65%*$10k*-24 Month CD
OTHER TIERS: 0.50% $500 - $10k
0.50%*$10k*-11 - 12 Month CD
OTHER TIERS: 0.45% $500 - $10k
0.50%*$10k*-18 Month CD
OTHER TIERS: 0.45% $500 - $10k
0.50%*$10k*-12 Month TODA
OTHER TIERS: 0.45% $50 - $10k
0.50%$2k-15 Month CD Special
0.30%$500-6 Month CD
0.20%$5k-90 Day CD

Lake-Osceola State Bank Locations
Big Rapids Branch102 North Michigan AvenueBig Rapids, MI 49307
Irons Branch10464 North Brooks RoadIrons, MI 49644
Tustin Branch109 East Church StreetTustin, MI 49688
Wellston Branch17222 Caberfae HighwayWellston, MI 49689
Luther Branch203 State StreetLuther, MI 49656
Reed City Branch217 South Chesnut StreetReed City, MI 49677
Perry Avenue Big Rapids Branch226 Perry AvenueBig Rapids, MI 49307
Lake-Osceola State Bank790 North Michigan AvenueBaldwin, MI 49304
Walkerville Branch133 E. Main St.Walkerville, MI 49459