Lake-Osceola State Bank
Baldwin, MI
IDRSSD: 11145
Total Assets
$465.67M
Latest filing
Total Deposits
$393.57M
Latest filing
Net Interest Margin
4.25%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
072405604BALDWIN, MI
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Lake-Osceola State Bank
790 Michigan Ave
Baldwin, MI 49304
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1908FDIC Certificate 5203
Branches (12)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Lake-Osceola State Bank (Main) | 790 Michigan Ave | Baldwin, MI |
| WELLSTON BRANCH | 17222 Caberfae Hwy | Wellston, MI |
| LUTHER BRANCH | 203 State St | Luther, MI |
| TUSTIN BRANCH | 109 E Church St | Tustin, MI |
| IRONS BRANCH | 10464 N Brooks Rd | Irons, MI |
| REED CITY BRANCH | 217 South Chesnut Street | Reed City, MI |
| BIG RAPIDS BRANCH | 102 N Michigan Ave | Big Rapids, MI |
| PERRY AVENUE BIG RAPIDS BRANCH | 226 Perry Ave | Big Rapids, MI |
Showing 7 of 12
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 49304 |
| State and County Number | 26085 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 80 |
| Domestic Offices | 13 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/09/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.losb.com |
| Data Updated | 01/30/2026 |
| CERT | 8172 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $465.67M |
| Total Deposits | $393.57M |
| Total Liabilities | $416.87M |
| Total Equity Capital | $48.80M |
| Net Income | $1.04M |
| Net Loans and Leases | $254.58M |
| Assets Per Employee ($Millions) | $5.82M |
| Bank Premises and Fixed Assets | $7.32M |
| Cash and Balances due from Depository Institutions | $43.73M |
| Deposits Held in Domestic Offices | $393.57M |
Key Performance Ratios
| Return on Assets (ROA) | 0.91% |
| Return on Equity (ROE) | 8.65% |
| Net Interest Margin | 4.25% |
| Efficiency Ratio | 75.48% |
| Tier 1 Risk-Based Capital Ratio | 18.542% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.479% |
| Earning Assets to total Assets | 92.19% |
Income and Expense
| Total Interest Income | $6.03M |
| Total Noninterest Income | $190.00k |
| Total Interest Expense | $1.52M |
| Total Noninterest Expense | $3.54M |
| Net Interest Income | $4.50M |
| Pre-tax Net Operating Income | $1.12M |
| Provision for Credit Losses | $32.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $72.00k |
| Other borrowed funds | $19.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $14.30M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.30M |
| Total Liabilities and Capital | $465.67M |
Securities
| Securities | $125.98M |
| Available-for-sale debt securities | $125.98M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Lake-Osceola State Bank?
$465.67M as of the latest filing.
How much are Lake-Osceola State Bank's total deposits?
$393.57M in total deposits.
Where is Lake-Osceola State Bank located?
Baldwin, MI.
What is the Net Interest Margin?
4.25%.
How many domestic offices does it operate?
13.
When was it established?
01/01/1908.
What is the Return on Assets (ROA)?
0.91%.
How much are total loans and leases?
$254.58M (latest filing).
What is the total interest income (latest filing)?
$6.03M.