Lake-Osceola State Bank is an FDIC insured institution headquartered at
790 Michigan Ave, Baldwin, MI 49304.
It was founded in
1908 and has approximately $0 billion in assets. Customers can open an account at one of its 10 branches.
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.15% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.25% | $10,000 | Compare |
|
6 Mo CD
|
0.25% | $100,000 | Compare |
|
12 Mo CD
|
0.30% | $10,000 | Compare |
|
12 Mo CD
|
0.30% | $100,000 | Compare |
|
Special: 15 Mo CD
|
0.35% | $2,000 | Compare |
|
18 Mo CD
|
0.35% | $10,000 | Compare |
|
18 Mo CD
|
0.35% | $100,000 | Compare |
|
24 Mo CD
|
0.45% | $10,000 | Compare |
|
24 Mo CD
|
0.45% | $100,000 | Compare |
|
30 Mo CD
|
0.60% | $10,000 | Compare |
|
30 Mo CD
|
0.60% | $100,000 | Compare |
|
36 Mo CD
|
0.70% | $10,000 | Compare |
|
36 Mo CD
|
0.70% | $100,000 | Compare |
|
48 Mo CD
|
0.80% | $10,000 | Compare |
|
48 Mo CD
|
0.80% | $100,000 | Compare |
|
60 Mo CD
|
0.90% | $10,000 | Compare |
|
60 Mo CD
|
0.90% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.10% | $2,500 | Compare |
|
Money Market
|
0.10% | $10,000 | Compare |
|
Money Market
|
0.10% | $25,000 | Compare |
| FIXED IRA RATES | APY | MIN |
|---|---|---|
|
Special: 15 Mo FIRA
|
0.50% | $2,000 |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.05% | $2,500 |
| Tap into your home's equity & access the funds you need with a HELOC | $0 |
|
Intro APR: 6.750 %
After Intro:6.750 % |
$25,000 |
Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Reliant Home Funding, Inc NMLS ID: 292473 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-12-22 |
Intro APR: 5.990 %
After Intro:7.000 % Intro Period: 12 months |
$25,000 |
Reliant Home Funding, Inc. NMLS ID: 292473 |
6.024% |
$1,893
Fees & Points
$5,173 Total
0.993 Pts ($3,178) $1,995 Fees |
| 6.331% |
$1,971
Fees & Points
$3,002 Total
0.552 Pts ($1,766) $1,236 Fees |
PenFed Credit Union NMLS ID: 401822 |
6.403% |
$1,971
Fees & Points
$5,195 Total
1.000 Pts ($3,200) $1,995 Fees |
Rocket Mortgage NMLS ID: 3030 |
Fees & Points
Total
Pts ($0) $0 Fees |
| FDIC Insured | Yes |
| FDIC Certificate | # 8172 |
| Date Established | 1908 |
| Assets | $ 465.67 million |
| Loans | $ 254.58 million |
| Deposits | $ 393.58 million |
| Capital | $ 48.80 million |
| ASSETS | |
| Cash & Balances due from depository institutions | $ 43.74 million |
| Interest-bearing balances | $ 34.44 million |
| Total securities | $ 125.98 million |
| Federal funds sold and reverse repurchase | $ 14.30 million |
| Net loans and leases | $ 254.58 million |
| Loan loss allowance | $ 3.43 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.07 million |
| Goodwill and other intangibles | $ 0.97 million |
| All other assets | $ 16.76 million |
| Total Assets | $ 416.87 million |
| LIABILITIES | |
| Total deposits | $ 393.58 million |
| Interest-bearing deposits | $ 297.89 million |
| Deposits held in domestic offices | $ 393.58 million |
| % insured (estimated)" | 75.66% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 20.99 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 3.09 millionn |
| Total Liabilities | $ 416.87 million |
| Shareholders’ Equity | $ 48.80 million |
| INCOME AND EXPENSES | |
| Total Interest Income | $ 23.97 million |
| Total Interest Expense | $ 6.26 million |
| Net interest income | $ 17.71 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 1.94 million |
| Total non interest expense | $ 12.69 million |
| Pre-tax Net Operating Income | $ 2.55 million |
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