Featured Savings Rates
Featured Accounts

Lake-Osceola State Bank

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.71%5-year CD60 Month CD
0.60%1-year CD12 Month TDOA
0.10%SavingsSavings Account

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

Lake-Osceola State Bank is headquartered in Baldwin and is the 51st largest bank in the state of Michigan. It is also the 2,582nd largest bank in the nation. It was established in 1908 and as of March of 2017, it had grown to 60 employees at 9 locations. Lake-Osceola State Bank has a B+ 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
B+

Health Grade Components

Overall
FDIC Certificate #8172
Year Established1908
Employees60
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.94%
Return on Equity - YTD10.74%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$244.8MM$219.3MM
LoansQ1 2017vs Q1 2016$190.6MM$166.3MM
DepositsQ1 2017vs Q1 2016$204.6MM$184.7MM
Equity CapitalQ1 2017vs Q1 2016$21.2MM$20.1MM
Loan Loss AllowanceQ1 2017vs Q1 2016$2.0MM$1.9MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$1.5MM$1.2MM
Real Estate OwnedQ1 2017vs Q1 2016$507.00K$368.00K
Rates
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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 Savings Account Rates

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

Lake-Osceola State Bank Money Market Rates

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

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
1.71%*$10k*-60 Month CD
OTHER TIERS: 1.46% $500 - $10k
1.41%*$10k*-48 Month CD
OTHER TIERS: 1.16% $500 - $10k
1.11%*$10k*-36 Month CD
OTHER TIERS: 0.95% $500 - $10k
0.85%*$10k*-24 Month CD
OTHER TIERS: 0.70% $500 - $10k
0.85%*$10k*-30 Month CD
OTHER TIERS: 0.70% $500 - $10k
0.60%*$10k*-11 - 12 Month CD
OTHER TIERS: 0.55% $500 - $10k
0.60%*$10k*-18 Month CD
OTHER TIERS: 0.55% $500 - $10k
0.60%*$10k*-12 Month TDOA
OTHER TIERS: 0.55% $50 - $10k
0.50%$2k-15 Month CD Special
0.40%$500-6 Month CD
0.20%$5k-90 Day CD
Locations


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