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Lake-Osceola State Bank


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.

Deposit Rates - March 21, 2026

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




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 8172
Date Established 1908
Assets $ 453.34 million
Loans $ 250.72 million
Deposits $ 381.91 million
Capital $ 47.55 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 43.45 million
Interest-bearing balances $ 36.54 million
Total securities $ 120.30 million
Federal funds sold and reverse repurchase $ 11.24 million
Net loans and leases $ 250.72 million
Loan loss allowance $ 3.45 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1.02 million
All other assets $ 16.76 million
     Total Assets $ 405.80 million

LIABILITIES
Total deposits $ 381.91 million
      Interest-bearing deposits $ 289.10 million
      Deposits held in domestic offices $ 381.91 million
      % insured (estimated)" 76.83%
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 $ 405.80 million
      Shareholders’ Equity $ 47.55 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 17.95 million
Total Interest Expense $ 4.74 million
Net interest income $ 13.20 million
Provision for loan and lease losses N.A.
Total non interest income $ 1.75 million
Total non interest expense $ 9.14 million
Pre-tax Net Operating Income $ 2.55 million

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