Lake-Osceola State Bank

Overview / Commentary
790 North Michigan Avenue
Baldwin, MI 49304

Lake-Osceola State Bank is headquartered in Baldwin and is the 44th largest bank in the state of Michigan. It is also the 2,057th largest bank in the nation. It was established in 1908 and as of September of 2021, it had grown to 78 employees at 10 locations. Lake-Osceola State Bank has an A+ health rating.

Reviews (1)

Online Banking

Posted by: |

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 - YTD10.36%
Annual Interest Income$9.1MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$399.8MM$347.4MM
LoansQ3 2021vs Q3 2020$201.6MM$226.8MM
DepositsQ3 2021vs Q3 2020$331.3MM$290.9MM
Equity CapitalQ3 2021vs Q3 2020$42.9MM$28.4MM
Loan Loss AllowanceQ3 2021vs Q3 2020$3.0MM$2.7MM
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$517.00K$1.4MM
Real Estate OwnedQ3 2021vs Q3 2020$11.00K$346.00K
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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

0.02%--Savings Account
0.02%--Christmas Club

Lake-Osceola State Bank Money Market Rates

0.05%*$100k*-Money Market
OTHER TIERS: 0.02% Up to $100k

Lake-Osceola State Bank Checking Account Rates

0.02%$1k-Interest Checking

Lake-Osceola State Bank CD Rates

0.45%$500-60 Month CD
0.35%$500-48 Month CD
0.25%$500-36 Month CD
0.20%$500-24 Month CD
0.20%$500-30 Month CD
0.20%$2k-25 Month CD Special w/Relationship
0.15%$500-18 Month CD
0.15%$50-12 Month TDOA
0.15%$2k-15 Month CD Special
0.15%$500-12 Month CD
0.10%$500-6 Month CD
0.05%$5k-90 Day CD

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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