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 1,932nd largest bank in the nation. It was established in 1908 and as of March of 2022, it had grown to 75 employees at 10 locations. Lake-Osceola State Bank 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 - YTD0.98%
Return on Equity - YTD10.49%
Annual Interest Income$3.3MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$436.3MM$360.7MM
LoansQ1 2022vs Q1 2021$208.1MM$209.3MM
DepositsQ1 2022vs Q1 2021$375.0MM$303.6MM
Equity CapitalQ1 2022vs Q1 2021$36.6MM$29.1MM
Loan Loss AllowanceQ1 2022vs Q1 2021$3.0MM$2.8MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$412.00K$807.00K
Real Estate OwnedQ1 2022vs Q1 2021$289.00K$383.00K
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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

0.05%--Savings Account
0.02%--Christmas Club

Lake-Osceola State Bank Money Market Rates

0.10%*$100k*-Money Market
OTHER TIERS: 0.05% 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%$500-36 Month CD
0.35%$500-48 Month CD
0.30%$500-24 Month CD
0.30%$500-30 Month CD
0.30%$2k-25 Month CD Special w/Relationship
0.20%$500-18 Month CD
0.20%$50-12 Month TDOA
0.20%$2k-15 Month CD Special
0.20%$500-12 Month CD
0.15%$500-6 Month CD
0.05%$5k-90 Day CD


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