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Overview / Commentary
231-745-4601
790 North Michigan Avenue
Baldwin, MI 49304

Lake-Osceola State Bank is headquartered in Baldwin and is the 49th largest bank in the state of Michigan. It is also the 2,439th largest bank in the nation. It was established in 1908 and as of March of 2018, it had grown to 67 employees at 10 locations. Lake-Osceola State Bank's CD rates are 11% higher than the national average, and it has an A health rating.

Reviews (1)

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.



Health

Health Grade Components

Overall
FDIC Certificate #8172
Year Established1908
Employees67
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.18%
Return on Equity - YTD13.29%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$260.5MM$244.8MM
LoansQ1 2018vs Q1 2017$204.1MM$190.6MM
DepositsQ1 2018vs Q1 2017$215.6MM$204.6MM
Equity CapitalQ1 2018vs Q1 2017$22.6MM$21.2MM
Loan Loss AllowanceQ1 2018vs Q1 2017$2.3MM$2.0MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$1.3MM$1.5MM
Real Estate OwnedQ1 2018vs Q1 2017$136.00K$507.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--Christmas Club
0.10%--Savings Account

Lake-Osceola State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$100k*-Money Market
OTHER TIERS: 0.15% Up to $25k | 0.20% $25k - $50k | 0.25% $50k - $100k

Lake-Osceola State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Municipals
0.05%$1k-Interest Checking

Lake-Osceola State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*$10k*-60 Month CD
OTHER TIERS: 2.25% $500 - $10k
2.50%$2k-25 Month CD Special w/Relationship
2.00%$2k-15 Month CD Special
1.90%*$10k*-48 Month CD
OTHER TIERS: 1.65% $500 - $10k
1.70%*$10k*-36 Month CD
OTHER TIERS: 1.55% $500 - $10k
1.50%*$10k*-24 Month CD
OTHER TIERS: 1.35% $500 - $10k
1.20%*$10k*-30 Month CD
OTHER TIERS: 1.05% $500 - $10k
1.00%*$10k*-11 - 12 Month CD
OTHER TIERS: 0.95% $500 - $10k
1.00%*$10k*-18 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
0.35%$5k-90 Day CD
Locations


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

Baldwin Branches
Lake-Osceola State Bank790 North Michigan AvenueBaldwin, MI 49304

Big Rapids Branches
Big Rapids Branch102 North Michigan AvenueBig Rapids, MI 49307
Perry Avenue Big Rapids Branch226 Perry AvenueBig Rapids, MI 49307

Irons Branches
Irons Branch10464 North Brooks RoadIrons, MI 49644

Leroy Branches
Leroy Branch120 Mackinaw TrailLeroy, MI 49655

Luther Branches
Luther Branch203 State StreetLuther, MI 49656

Reed City Branches
Reed City Branch217 South Chesnut StreetReed City, MI 49677

Tustin Branches
Tustin Branch109 East Church StreetTustin, MI 49688

Walkerville Branches
Walkerville Branch133 E. Main St.Walkerville, MI 49459

Wellston Branches
Wellston Branch17222 Caberfae HighwayWellston, MI 49689

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