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 51^st largest bank in the state of Michigan. It is also the 2,417^th largest bank in the nation. It was established in 1908 and as of June of 2019, it had grown to 67 employees at 10 locations. Lake-Osceola State Bank's money market rates are 2X the national average, and it has a B health rating.

Reviews (1)

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Online Banking

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.

Comment

Health

Data as of Q2 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	8172
Year Established	1908
Employees	67
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.14%
Return on Equity - YTD	12.12%
Annual Interest Income	$6.0MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$262.9MM$261.5MM
Loans	Q2 2019vs Q2 2018	$217.3MM$209.2MM
Deposits	Q2 2019vs Q2 2018	$205.6MM$216.8MM
Equity Capital	Q2 2019vs Q2 2018	$25.4MM$22.9MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$2.5MM$2.4MM
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$2.0MM$1.4MM
Real Estate Owned	Q2 2019vs Q2 2018	$1.3MM$520.00K

Rates

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Savings
Money Market
Checking
CD

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	-	-	Christmas Club
0.15%	-	-	Savings Account

Lake-Osceola State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	$1m^*	-	Money Market
OTHER TIERS: 0.15% → Up to $25k \| 0.20% → $25k - $50k \| 0.25% → $50k - $100k \| 0.45% → $100k - $250k \| 0.60% → $250k - $500k \| 0.75% → $500k - $1m

Lake-Osceola State Bank Checking Account Rates

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

Lake-Osceola State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.27%^*	$10k^*	-	60 Month CD
OTHER TIERS: 2.02% → $500 - $10k
2.02%^*	$10k^*	-	48 Month CD
OTHER TIERS: 1.76% → $500 - $10k
1.91%	$2k	-	25 Month CD Special w/Relationship
1.86%^*	$10k^*	-	36 Month CD
OTHER TIERS: 1.61% → $500 - $10k
1.66%	$2k	-	15 Month CD Special
1.46%^*	$10k^*	-	24 Month CD
OTHER TIERS: 1.31% → $500 - $10k
1.46%^*	$10k^*	-	30 Month CD
OTHER TIERS: 1.36% → $500 - $10k
1.11%^*	$10k^*	-	18 Month CD
OTHER TIERS: 0.90% → $500 - $10k
1.00%^*	$10k^*	-	11 - 12 Month CD
OTHER TIERS: 0.95% → $500 - $10k
1.00%^*	$10k^*	-	12 Month TDOA
OTHER TIERS: 0.95% → $50 - $10k
0.75%	$500	-	6 Month CD
0.45%	$5k	-	90 Day CD

Locations

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

Baldwin Branches
Lake-Osceola State Bank	790 North Michigan Avenue	Baldwin, MI 49304

Big Rapids Branches
Big Rapids Branch	102 North Michigan Avenue	Big Rapids, MI 49307
Perry Avenue Big Rapids Branch	226 Perry Avenue	Big Rapids, MI 49307

Irons Branches
Irons Branch	10464 North Brooks Road	Irons, MI 49644

Leroy Branches
Leroy Branch	120 Mackinaw Trail	Leroy, MI 49655

Luther Branches
Luther Branch	203 State Street	Luther, MI 49656

Reed City Branches
Reed City Branch	217 South Chesnut Street	Reed City, MI 49677

Tustin Branches
Tustin Branch	109 East Church Street	Tustin, MI 49688

Walkerville Branches
Walkerville Branch	133 E. Main St.	Walkerville, MI 49459

Wellston Branches
Wellston Branch	17222 Caberfae Highway	Wellston, MI 49689

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