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Overview / Commentary
790 North Michigan Avenue
Baldwin, MI 49304

Lake-Osceola State Bank is headquartered in Baldwin and is the 58th largest bank in the state of Michigan. It is also the 2,767th largest bank in the nation. It was established in 1908 and as of June of 2016, it had grown to 61 employees at 9 locations. Lake-Osceola State Bank has an A health rating.


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Health Grade Components

FDIC Certificate #8172
Year Established1908
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1%
Return on Equity - YTD10.79%
Annual Interest Income$4.5MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$222.7MM$198.1MM
LoansQ2 2016vs Q2 2015$176.3MM$157.7MM
DepositsQ2 2016vs Q2 2015$188.3MM$162.8MM
Equity CapitalQ2 2016vs Q2 2015$20.4MM$19.4MM
Loan Loss AllowanceQ2 2016vs Q2 2015$1.9MM$2.0MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$1.3MM$1.8MM
Real Estate OwnedQ2 2016vs Q2 2015$322.00K$930.00K
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Lake-Osceola State Bank Money Market Rates

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

Lake-Osceola State Bank CD Rates

1.50%*$10k*-60 Month CD
OTHER TIERS: 1.12% $500 - $10k
1.20%*$10k*-48 Month CD
OTHER TIERS: 0.95% $500 - $10k
1.00%*$10k*-36 Month CD
OTHER TIERS: 0.85% $500 - $10k
0.75%*$10k*-30 Month CD
OTHER TIERS: 0.60% $500 - $10k
0.65%*$10k*-24 Month CD
OTHER TIERS: 0.50% $500 - $10k
0.50%*$10k*-11 - 12 Month CD
OTHER TIERS: 0.45% $500 - $10k
0.50%*$10k*-18 Month CD
OTHER TIERS: 0.45% $500 - $10k
0.50%*$10k*-12 Month TODA
OTHER TIERS: 0.45% $50 - $10k
0.50%$2k-15 Month CD Special
0.30%$500-6 Month CD
0.20%$5k-90 Day CD

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