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Overview / Commentary
790 North Michigan Avenue
Baldwin, MI 49304

Lake-Osceola State Bank is headquartered in Baldwin and is the 53rd largest bank in the state of Michigan. It is also the 2,663rd largest bank in the nation. It was established in 1908 and as of December of 2016, it had grown to 62 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 - YTD0.9%
Return on Equity - YTD9.87%
Annual Interest Income$9.4MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$235.5MM$208.5MM
LoansQ4 2016vs Q4 2015$186.9MM$166.2MM
DepositsQ4 2016vs Q4 2015$196.1MM$174.5MM
Equity CapitalQ4 2016vs Q4 2015$20.6MM$19.6MM
Loan Loss AllowanceQ4 2016vs Q4 2015$2.0MM$1.9MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$1.5MM$1.3MM
Real Estate OwnedQ4 2016vs Q4 2015$151.00K$591.00K

Rates for Lake-Osceola State Bank are currently being reviewed.


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