Lake-Osceola State Bank is a bank based in Baldwin, Michigan, established in 1908, with $481 million in total assets across 13 branches. By Trust Grade it ranks 20th of 73 banks we track in Michigan. Its capital ratio of 10.4% is stronger than 54% of similarly sized banks, versus a Michigan median of 9.6%. It was profitable over the most recent period, with a 1.77% return on assets. No consumer complaints against Lake-Osceola State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Lake-Osceola State Bank compares to Michigan peers
How we graded Lake-Osceola State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.4% capital ratio)
- Strongly profitable (ROA 1.77%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Lake-Osceola State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (13)
- 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
- 790 Michigan Avenue, Baldwin, MI 49304
Are deposits at Lake-Osceola State Bank insured?
Yes. Lake-Osceola State Bank is an FDIC-insured bank (FDIC certificate #8172). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Lake-Osceola State Bank: frequently asked questions
Is Lake-Osceola State Bank a good bank?
Lake-Osceola State Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.4% capital ratio); Strongly profitable (ROA 1.77%).
Is Lake-Osceola State Bank FDIC-insured?
Yes. Lake-Osceola State Bank is a FDIC-insured bank (FDIC certificate #8172). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Lake-Osceola State Bank?
Lake-Osceola State Bank holds $481 million in total assets, ranking 20th of 73 banks we track in Michigan. It operates 13 branches.
Does Lake-Osceola State Bank have CFPB complaints?
No CFPB complaints against Lake-Osceola State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
