Bank · FDIC insured
Lake-Osceola State Bank
A $469.4M bank headquartered in Baldwin, MI, with 12 branches in Michigan. Best rates: CDs 3.96% and savings 1.00% APY.
Lake-Osceola State Bank Carrot Score
77
Carrot Score
Higher than 45% of U.S. banks and credit unions
#3 of 6 in Big Rapids, MI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Lake-Osceola State Bank
- Headquarters
- 790 Michigan Ave, Baldwin, MI 49304
- FDIC certificate
- 8172 ↗
Branches
12 branches in Michigan
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Michigan
12 branches
Big Rapids area · 2
- Big Rapids Branch102 N Michigan Ave, Big Rapids, MI 49307Directions
- Perry Avenue Big Rapids Branch226 Perry Ave, Big Rapids, MI 49307Directions
Baldwin area · 1
- Lake-Osceola State BankMain office790 Michigan Ave, Baldwin, MI 49304Directions
Evart area · 1
- Evart Branch920 W 7th St, Evart, MI 49631Directions
Cadillac area · 1
- Falmouth Office Of Lake-Osceola State Bank Branch500 E. Prosper Rd, Falmouth, MI 49632Directions
Irons area · 1
- Irons Branch10464 N Brooks Rd, Irons, MI 49644Directions
Le Roy area · 1
- Leroy Branch120 Mackinaw Trl, Le Roy, MI 49655Directions
Luther area · 1
- Luther Branch203 State St, Luther, MI 49656Directions
Reed City area · 1
- Reed City Branch217 South Chesnut Street, Reed City, MI 49677Directions
Tustin area · 1
- Tustin Branch109 E Church St, Tustin, MI 49688Directions
Walkerville area · 1
- Walkerville Branch133 E Main St, Walkerville, MI 49459Directions
Wellston area · 1
- Wellston Branch17222 Caberfae Hwy, Wellston, MI 49689Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.53% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.24% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.60% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $63 | $81 | — |
- CapitalLeverage ratio12.53%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.24%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.60%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$63Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Lake-Osceola State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.