Lake-Osceola State Bank

Overview / Commentary
790 North Michigan Avenue
Baldwin, MI 49304

Lake-Osceola State Bank is headquartered in Baldwin and is the 40th largest bank in the state of Michigan. It is also the 2,005th largest bank in the nation. It was established in 1908 and as of June of 2022, it had grown to 74 employees at 11 locations. Lake-Osceola State Bank's money market rates are 8X the national average, and it has an A health rating.

Reviews (1)

Online Banking

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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.


Health Grade Components

FDIC Certificate #8172
Year Established1908
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD11.36%
Annual Interest Income$6.7MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$412.6MM$396.7MM
LoansQ2 2022vs Q2 2021$211.3MM$205.5MM
DepositsQ2 2022vs Q2 2021$357.5MM$328.0MM
Equity CapitalQ2 2022vs Q2 2021$31.0MM$41.9MM
Loan Loss AllowanceQ2 2022vs Q2 2021$2.9MM$2.9MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$611.00K$782.00K
Real Estate OwnedQ2 2022vs Q2 2021$289.00K$266.00K
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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

0.15%--Savings Account
0.05%--Christmas Club

Lake-Osceola State Bank Money Market Rates

3.50%*$1m*-Money Market
OTHER TIERS: 1.00% Up to $100k | 1.50% $100k - $250k | 2.00% $250k - $500k | 2.50% $500k - $1m

Lake-Osceola State Bank Checking Account Rates

0.05%$1k-Interest Checking

Lake-Osceola State Bank CD Rates

4.32%$2k-25 Month CD Special w/Relationship
4.32%$500-11 Month CD
4.32%$10k-15 Month CD w/ Acct Rel
4.06%*$10k*-6 Month CD
OTHER TIERS: 3.91% $500 - $10k
3.15%$500-30 Month CD
3.15%$500-36 Month CD
3.15%$500-48 Month CD
3.15%$500-60 Month CD
3.03%$500-18 Month CD
3.03%$500-24 Month CD
3.03%$5k-90 Day CD
3.03%$50-12 Month TDOA
3.03%$500-12 Month CD


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