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Lake-Osceola State Bank

Popular Accounts at this Bank

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

Overview / Commentary
790 North Michigan Avenue
Baldwin, MI 49304

Lake-Osceola State Bank is headquartered in Baldwin and is the 54th largest bank in the state of Michigan. It is also the 2,541st largest bank in the nation. It was established in 1908 and as of September of 2017, it had grown to 68 employees at 9 locations. Lake-Osceola State Bank 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 Grade Components

FDIC Certificate #8172
Year Established1908
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD11.24%
Annual Interest Income$7.6MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$249.5MM$232.2MM
LoansQ3 2017vs Q3 2016$197.2MM$182.6MM
DepositsQ3 2017vs Q3 2016$209.9MM$192.3MM
Equity CapitalQ3 2017vs Q3 2016$22.2MM$20.9MM
Loan Loss AllowanceQ3 2017vs Q3 2016$2.2MM$1.9MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$1.4MM$1.4MM
Real Estate OwnedQ3 2017vs Q3 2016$276.00K$249.00K
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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

0.50%--Christmas Club
0.10%--Savings Account

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 Checking Account Rates

0.05%$1k-Interest Checking

Lake-Osceola State Bank CD Rates

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

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