Lake-Osceola State Bank
Baldwin, MI · State, non-member commercial bank
Sonar Score
Stable
out of 100 · from public FDIC data
Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.
Key figures
- Total assets
- $481.4M
- Total deposits
- $409.9M
- Branches
- 13
- Return on assets
- 1.77%
- Return on equity
- 16.94%
- Charter type
- State, non-member commercial bank
- Established
- 1908
- FDIC cert #
- 8172
How the 68 breaks down
Capital ratio not reported.
Strong returns on its asset base.
Efficient use of shareholder capital.
Community-scale institution.
Your deposits at Lake-Osceola State Bank
Lake-Osceola State Bank is an FDIC-insured institution (Cert #8172). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →
13 branch locations
17222 Caberfae Hwy
Wellston, MI 49689
203 State St
Luther, MI 49656
109 E Church St
Tustin, MI 49688
10464 N Brooks Rd
Irons, MI 49644
217 South Chesnut Street
Reed City, MI 49677
102 N Michigan Ave
Big Rapids, MI 49307
226 Perry Ave
Big Rapids, MI 49307
790 Michigan Ave
Baldwin, MI 49304
133 E Main St
Walkerville, MI 49459
120 Mackinaw Trl
Leroy, MI 49655
920 W 7th St
Evart, MI 49631
500 E. Prosper Rd
Falmouth, MI 49632
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